vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Kikoff Lending LLC XX/XX/XXXXXXXX XXXX XXXX NV XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit file associated with the following account : Account Number : XXXX Reported Late Payment Dates : XX/XX/year>, XX/XX/year>, and XX/XX/year> Under the Fair Credit Billing Act ( FCBA ) [ 15 U.S.C. 1666 ], you are required to provide complete and accurate billing records and to promptly correct any errors. I am requesting that you conduct an immediate and thorough investigation into this matter, as these late payments do not accurately reflect my payment history. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of information have a legal obligation to report data with maximum possible accuracy. If these delinquencies are the result of an error, improper re-aging, or misreporting, you are required to notify all consumer reporting agencies to correct or delete the inaccurate information. 
These entries have already caused measurable harm to my credit profile, and I am demanding that you correct this misinformation without delay. If not resolved within a reasonable time, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and will consider additional legal actions. 
Please respond in writing within 30 days to confirm that the inaccurate late payment entries for XXXX, XXXX, and XX/XX/year> have been removed or corrected. 
Sincerely, XXXX XXXX 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 2025-06-07 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: NY

Complaint narrative:
according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-06-07 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: CA

Complaint narrative:
am writing to formally dispute inaccurate information currently listed on my credit report. The account in question is being reported by XXXX XXXX. I believe this entry is incorrect, as I have never entered into any agreement or signed a contract with this company. Therefore, they do not have the legal authority to report any debt or account under my name. 

This inaccurate reporting is negatively affecting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. I respectfully ask that this erroneous item be removed from my credit report, as it is not valid and should not be associated with my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received an email in XXXX from my XXXX XXXX XXXX saying that I was late on my Home Depot card account. I immediately called Home Depot and tried to set up a fraudulent charge but they couldnt verify my identity because someone changed everything in their system. Then they sent the verification letter to my home address and I finally was able to do the fraud claim. I had multiple problems with this due to all the misinformation I received from the employees at Citicard and Home Depot. I just was notified that they found my charges weee not fraud and now I am contacting you because this is not right. I received a copy of the receipt showing it was done online for a store in XXXX XXXX Illinois and sent to an address in Illinois. I have lived in Colorado since I opened this Home Depot account and have never lived at the address listed in the receipt or had the email address, address or phone number on this receipt. Please help since they are reporting I am late on my payments to my credit reporting companies.

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 monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
Dear NCB Management Services, I am writing to formally lodge a complaint regarding repeated and unauthorized contact made by your representatives to my employer, despite prior instructions explicitly requesting that such communication cease. 

Specifically, your company contacted my employer on the following occasions : XX/XX/year>, at XXXX XXXX  from the phone number ( XXXX ) XXXX XX/XX/year>, at XXXX XXXX  I previously informed your office that you are not authorized to contact my employer regarding any alleged debt. My employer does not approve of these communications, and such contact is prohibited under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ), which forbids debt collectors from discussing a consumers debt with third parties, including employers, without explicit permission. 

This is a serious violation of my rights, and I demand that you immediately cease and desist all contact with my employer. Any future attempts to contact them will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

I also request written confirmation that your office will no longer contact my employer and that any future communication regarding this matter will be directed to me in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX XXXX accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 





This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 





I demand the late payment to be updated. 





They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 





15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 




Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 





I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 





This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 





Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 





This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 





I demand the late payment to be updated. 





They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 





15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 




Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 





I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 





This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 





Update the late payments from my consumer reports

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Bank told me credit declined by Equifax. I spoke to Equifax and only got " insufficient '' history to grant the loan. No other information given. Have seen class action suits re : Equifax on internet, people have had same problem as me. Equifax should tell me and bank what " Insufficient '' means and what information they do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Ive contacted the merchant on multiple occasions those dates are XX/XX/year> that was my initial inquiry on my order status, I followed up twice XX/XX/year> requesting cancellation of my order since I did not receive a response or tracking number. XX/XX/year> I filed a scam report with the XXXX XXXX XXXX also reached out to merchant that day as well. XX/XX/year> I reached out after reading the terms of services it said 6-8 weeks to process its been beyond that time frame and I still havent received anything. I also email them on dates XX/XX/year>, XX/XX/year>, XX/XX/year> and I have not received anything response from the merchant since then. Cashapp keeps denying my dispute, they claim the merchant fulfilled services but I never received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Per 15 USC 1861 and FCRA 605 these unauthorized hard inquiries must be removed from my consumer report per the laws of the following code 18 U.S. Code 1028A - Aggravated identity theft I have been a victim of aggravated identity theft and these inquiries must be removed they are in violation of my rights as a federally protected consumer

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NV

Complaint narrative:
Issue Summary : I am submitting this complaint regarding erroneous and duplicate debt collection reporting by both Columbia Debt Recovery and Genesis Credit Management LLC on my credit reports.

Both agencies are attempting to collect on the same alleged debt, yet they : Report two different balances : {$7600.00} ( Columbia ) and {$7600.00} ( Genesis ), Have the same opening date of XX/XX/XXXX, and Both list the debt as currently open and in collections. 

I have no knowledge of this debt and have never entered into an agreement or contract with either agency. The reporting of duplicate accounts by different names with conflicting amounts is misleading, inaccurate, and a violation of my rights under federal law. 



FCRA Violations : 1. FCRA 607 ( b ) Requires furnishers to establish and follow reasonable procedures to assure maximum possible accuracy of the information they report.

2. FCRA 611 Gives consumers the right to dispute inaccurate or unverifiable information, and requires credit reporting agencies to delete unverifiable information within 30 days. 
3. FCRA 623 ( a ) ( 5 ) Furnishers must correct and update information that is determined to be inaccurate or incomplete.

4. FCRA 609 ( a ) ( 1 ) Consumers have the right to request and obtain all information in their file, including the sources of that information. 



Dispute & Validation History : In XX/XX/XXXX, I sent certified letters to both Columbia Debt Recovery and Genesis Credit Management LLC requesting debt validation as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). 
I also submitted written disputes to all three major credit bureaus ( Equifax, Experian, and TransUnion ) requesting verification or deletion. 
No response has been received from either agency within the 30-day timeframe. 
Despite this, the debts remain on my credit report, damaging my credit profile and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX  XXXX sent the wire transfer on XXXX XX/XX/year> to Chase bank account instead of correct recipient who has bank account at Chase. Since then XXXX XXXX  has been trying to have Chase correct the wire information but Chase is not responding to any communication. The transaction reference is XXXX  XXXX XXXX. When I filed previous complaint XXXX they responded after 1 month that " On XX/XX/year>, the XXXX Investigations team sent the recipient a secure message requesting debit authorization from the account ending in XXXX. '' This is no correct. Money was sent to Chase bank and that account number ending in XXXX is not even in the transaction. They can not make it sound as if money to third party account who is not responding now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit file associated with the following account : Account Number : XXXX Reported Late Payment Dates : XX/XX/year>, XX/XX/year>, and XX/XX/year> Under the Fair Credit Billing Act ( FCBA ) [ 15 U.S.C. 1666 ], you are required to provide complete and accurate billing records and to promptly correct any errors. I am requesting that you conduct an immediate and thorough investigation into this matter, as these late payments do not accurately reflect my payment history. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of information have a legal obligation to report data with maximum possible accuracy. If these delinquencies are the result of an error, improper re-aging, or misreporting, you are required to notify all consumer reporting agencies to correct or delete the inaccurate information. 
These entries have already caused measurable harm to my credit profile, and I am demanding that you correct this misinformation without delay. If not resolved within a reasonable time, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and will consider additional legal actions. 
Please respond in writing within 30 days to confirm that the inaccurate late payment entries for XXXX, XXXX, and XX/XX/year> have been removed or corrected. 
Sincerely, 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 2025-06-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NV XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit file associated with the following account : Account Number : XXXX Reported Late Payment Dates : XX/XX/year>, XX/XX/year>, and XX/XX/year> Under the Fair Credit Billing Act ( FCBA ) [ 15 U.S.C. 1666 ], you are required to provide complete and accurate billing records and to promptly correct any errors. I am requesting that you conduct an immediate and thorough investigation into this matter, as these late payments do not accurately reflect my payment history. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of information have a legal obligation to report data with maximum possible accuracy. If these delinquencies are the result of an error, improper re-aging, or misreporting, you are required to notify all consumer reporting agencies to correct or delete the inaccurate information. 
These entries have already caused measurable harm to my credit profile, and I am demanding that you correct this misinformation without delay. If not resolved within a reasonable time, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and will consider additional legal actions. 
Please respond in writing within 30 days to confirm that the inaccurate late payment entries for XXXX, XXXX, and XX/XX/year> have been removed or corrected. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief