vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
I initiated a call to Kick Off on XX/XX/XXXX, to begin this process. I have been a loyal customer since XX/XX/XXXX and have consistently demonstrated my commitment to maintaining good financial standing. The period during which my payments were not made coincided with an overwhelming medical crisis in my family. In XXXX, my son was diagnosed with XXXX  life-altering condition that required extensive testing and repeated hospital visits. The situation was further compounded when he contracted RSV during the holidays, forcing us to spend critical family moments apart and adding to the emotional and financial strain. 

During this time, my account was set to autopay. However, I had received a new debit card, and due to the crisis, I was unable to update the payment information promptly. My focus was entirely on my sons health and my familys well-being. Once I became aware of the missed payments, I immediately resolved the issue, and my account has remained current ever since. 

During the call, I explained the circumstances I was facing in detail. Unfortunately, I was informed that they would not be removing any negative marks going forward. I was advised to continue making payments, and that in a few years the impact would diminish. They also suggested increasing payments on my credit cards to improve my standing. At that point, I shared that I am currently the sole provider for my family, which has made financial recovery especially challenging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I just looked at my Equifax report and there are XXXX fraudulent accounts, fraudulent names, fraudulent inquiries, and fraudulent addresses reporting to my Equifax report. XXXX XXXX is a fraudulent name. XXXX XXXX XXXX XXXX XXXX XXXX and FACTUAL DATA XX/XX/year> are fraudulent inquiries. 
XXXX XXXX XXXX XXXX MA XXXX, XXXX XXXX XXXX XXXX MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX MA XXXX, XXXX XXXX XXXX XXXX MA XXXX are fraudulent addresses. I have attached a copy of my FTC report, drivers license, social security card, and utility bill to this complaint. The fraudulent names, addresses, inquiries, and account need to be removed from my Equifax report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: WA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: ID

Complaint narrative:
I am submitting a complaint against IC Systems regarding an invalid debt they are attempting to collect and have reported to the credit bureau. 

I have requested on several occasions that IC Systems verify the debt they claim I owe. They have not provided me with any verification or documentation. I have also spoken with the original creditor, who confirmed that the debt was a mistake on their part and should have been recalled. The account was originally removed from my credit report. 

Despite this, IC Systems later purchased the debt and re-reported it to TransUnion ( the only bureau still showing this account ). There is nothing about this debt that is legitimate, and I have never been provided with any proof of the debt or the basis for their reporting. 

I believe IC Systems is violating the Fair Debt Collection Practices Act ( FDCPA ) by : Attempting to collect a debt that is not owed. 

Failing to provide validation of the debt after repeated requests. 

Reporting inaccurate information to a credit reporting agency.

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 2025-09-22 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving fraudulent text messages impersonating the Chime Fraud Department. The scammers told me that my account had suspicious activity and that I needed to move my funds into a new secure account. Believing this was legitimate, I transferred {$1200.00} from my Chime account to another Chime account identified as XXXX XXXX, handle XXXX XXXXXXXX. 

Why I am filing this complaint : I reported the fraud to Chime and opened a dispute ( Dispute # XXXX, Ticket # XXXX ). Despite providing evidence, Chime denied my claim twice, stating no error occurred. This is incorrect the transfer was the result of fraud, bank impersonation, and social engineering, not an authorized transaction. 

Steps I have taken so far : Filed a report with the FTC ( Confirmation XXXX  XXXX ) Filed a report with the XXXX ( Confirmation XXXX  XXXX ) Contacted local police ( directed to federal reporting ) Why CFPB action is needed : Chime has failed to properly investigate and resolve this matter under federal protections for consumers who are victims of fraud. The recipient account ( XXXX XXXXXXXX ) is traceable within Chimes system, and Chime has the ability to block and investigate this fraudulent account. 

I am requesting that the CFPB require Chime to : XXXX. Re-open and properly investigate my dispute. 
XXXX. Provide a clear explanation for why they denied my fraud claim. 
XXXX. Assist in recovering my stolen funds. 

Amount lost : {$1200.00} Date of loss : XX/XX/year> Complainant : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: 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 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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
The account reported as COLUMBIA DEBT RECOVERY under account number XXXXXXXX XXXX XXXX was first reported in XX/XX/2025 with a balance of {$19000.00}. As of my XX/XX/2025 credit report now reported COLUMBIA DEBT RECOVERY XXXXXXXX XXXX XXXX XXXX XXXX just five months later, the reported balance has increased to $ XXXXan unexplained increase of more than {$750.00}. 

I have repeatedly disputed this account with the credit bureaus and requested validation of the debt from this collection agency. To date, I have not received any validation of debt. Despite this, the account continues to be reported and is causing significant harm to my credit score.

If this debt was sold to a collection agency, I need to know the specific reason for the {$750.00} increase in balance and what fees or charges were added. Without clear validation or explanation, this account is inaccurate, unfair, and unrecognizable. 

I request that this account COLUMBIA DEBT RECOVERY XXXXXXXX XXXX XXXX XXXX XXXX be removed from my credit report immediately as it has not been properly validated and is being reported in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year> a transaction for XXXX XXXX XXXX  was processed through my cashapp card. At the time my cashapp card was locked and only had an available card balance of {$.00}. Cashapp did not deny the purchase as they have done multiple times before, this time they took money from my checking account to cover the transaction. 

In the past when my card was locked and the funds were not available the transactions were declined but for some reason this time they decided to proceed by processing a transaction to cover the full amount of the merchant transaction. I did not authorize cashapp to process transactions at their discretion to my checking account. 

I disputed the transaction and declined my dispute via email, so i called them XXXX minutes after receiving the email. At which time the representative told me that the email was not valid and the dispute could take up to 45 days and then i informed her that she was being recorded and that what she was saying was contradictory to the email at which time she refused to continue talking to me and immediately ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 am a victim of identity theft. Fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or authorization. These include accounts reported by XXXX and XXXX XXXX XXXX ( original creditor listed as 12 My Place Rewards ). These accounts were reported as derogatory and in collection status, even though I never applied for them, never received credit, and never authorized their use. 
In addition, there are unauthorized hard inquiries on my credit report, including : XXXXXXXX XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( TransUnion ) These inquiries were made without my permission and are damaging my credit. 
This situation is causing me severe personal and financial harm. I want to buy a home for my family, but these fraudulent accounts are preventing me from moving forward. My life has been deeply affected, and the stress from this problem is overwhelming.

I am requesting that the credit reporting agencies comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), specifically : 1681c-2 requiring consumer reporting agencies to block information resulting from identity theft, 1681i requiring reinvestigation and removal of inaccurate or unverifiable information within 30 days, and 1681e ( b ) requiring maximum possible accuracy in consumer reports.

These fraudulent accounts and inquiries must be blocked and removed from my credit reports, and I request that corrected credit reports be issued to me.

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 2025-09-22 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: NJ

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or authorization. These include accounts reported by XXXX and XXXX XXXX XXXX ( original creditor listed as 12 My Place Rewards ). These accounts were reported as derogatory and in collection status, even though I never applied for them, never received credit, and never authorized their use. 
In addition, there are unauthorized hard inquiries on my credit report, including : XXXXXXXX XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( Experian ) XXXX XXXX  XX/XX/year> ( TransUnion ) These inquiries were made without my permission and are damaging my credit. 
This situation is causing me severe personal and financial harm. I want to buy a home for my family, but these fraudulent accounts are preventing me from moving forward. My life has been deeply affected, and the stress from this problem is overwhelming.

I am requesting that the credit reporting agencies comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), specifically : 1681c-2 requiring consumer reporting agencies to block information resulting from identity theft, 1681i requiring reinvestigation and removal of inaccurate or unverifiable information within 30 days, and 1681e ( b ) requiring maximum possible accuracy in consumer reports.

These fraudulent accounts and inquiries must be blocked and removed from my credit reports, and I request that corrected credit reports be issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
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