vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
I am filing a fourth complaint against XXXX XXXX ( who manages XXXX XXXX XXXX disputes through XXXX XXXX XXXX XXXX ). 

I have already filed three CFPB complaints about the XXXX XXXX XXXX : Case # XXXX Case # XXXX Case # XXXX My phone and XXXX XXXX XXXX were stolen, and during that time multiple unauthorized transactions occurred. 

XXXX XXXX admitted by email that some of my disputes were denied in error and stated they would follow up with me by email regarding those transactions. They have not followed up and no credits were issued. At the same time, they continue to deny other unauthorized transactions from the same theft period, citing a past 60 days excuse. 

This is inconsistent and unfair if they acknowledged some disputes were handled incorrectly, they should have resolved them fully. I still have not received the promised follow-up, and the disputed funds have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am rebutting Kikoffs most recent response regarding the fraudulent account in my name.

Kikoff continues to claim that this account is valid based on billing zip codes, MFA access, and a phone call. None of these establish that I personally opened, authorized, or knowingly used this account.

1. Billing Zip Code and MFA The fact that my billing zip code or contact information was used does not prove legitimacy. Identity thieves often have access to accurate personal information, which is why the FTC recognizes that matching data does not rule out fraud. MFA codes being sent to my phone or email does not prove I authorized the account ; those methods can be compromised through unauthorized access, SIM swaps, or account breaches.

2. No Signatures or Binding Proof Kikoff has provided no signed application, contract, or authenticated signature tying me to this account. Without a legitimate signature electronic or wet-ink there is no legal proof that I opened or authorized this account.

3. Phone Call Misrepresentation Kikoff references a phone call on XX/XX/year>, and claims that I admitted awareness of the account. This is misleading and taken out of context. First, anyone could impersonate me on the phone if they obtained my personal information illegally. Second, my statement about being charged {$20.00} was in reference to the issue I was disputing it was not an admission that I knowingly opened or authorized the account.

4. Lack of Verifiable Proof Kikoff has failed to provide any verifiable proof directly tying me to the account, such as : A signed agreement or authenticated electronic signature, IP address logs with geolocation proving I opened and used the account, Device IDs that can be traced to me.

Without this evidence, Kikoff can not continue to claim the account is mine.

5. Legal Obligations Under the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ), once I submitted an FTC Identity Theft Report, the furnisher is required to block fraudulent information unless they can provide clear proof that the account is mine. Kikoff has not met that burden. Continuing to report this tradeline is a violation of my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CL Holdings LLC
State: FL

Complaint narrative:
Subject : Dispute of Unverified Collection Account Jefferson Capital Systems Body : To Whom It May Concern, I am writing to formally dispute the Jefferson Capital Systems collection account listed under account number XXXX on my credit report.

To date

, Jefferson Capital has not provided documentation from the original creditor or evidence of assignment that substantiates their legal right to collect on this debt. Reporting this account without adequate validation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 3 ), which prohibits the reporting of inaccurate or unverifiable information.

In accordance with FCRA 611 ( a ), I request that this account be promptly investigated and, if verification can not be provided, deleted from my credit file.

Please confirm receipt of this dispute and advise me of the outcome of your investigation within the time frame allowed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX DOB : XXXX Last four digits of SSN : XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: 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 2025-09-18 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: IN

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I appreciate TrueAccords response ; however, there are several points that must be addressed and clarified regarding my complaint. 



1. No Prior Notice or Communication TrueAccord stated that they sent me an initial email on XX/XX/year>. 
I never received any communication from TrueAccord before discovering this account on my credit report. This means I had no prior knowledge of the alleged debt until it began negatively impacting my credit profile, which has caused me financial harm. 

Under FDCPA 809 ( a ), debt collectors are required to provide consumers with written notice of a debt within five days of initial communication. Since I did not receive any valid notification, this account is inaccurate and unverified, and should never have been reported.

2. Formal Request for Full Debt Validation I am formally requesting full debt validation in accordance with the FDCPA. This includes : The name and address of the original creditor, A complete, itemized accounting showing how the balance was calculated, A copy of any signed agreement or contract showing that I am legally responsible for this alleged debt. 

Email is not an acceptable method of providing such validation. These documents must be sent by mail to my current physical address, which I will provide once requested through the appropriate CFPB channels. 

Until you provide complete and proper debt validation, no further collection activity should occur, including reporting to any credit bureau.

3. Permanent Removal of the Collection from My Credit Report TrueAccords response indicated they requested a tradeline deletion and that it may take up to 45 days to update. 
This is not sufficient. 

Because the debt was reported without proper notice or validation, it is inaccurate and unlawful under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am demanding permanent deletion of this collection account from all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 
This reporting has caused direct harm to my creditworthiness and financial opportunities. Continued reporting of inaccurate information may result in further legal action.

4. Cease & Desist Communication Until full validation is provided, I am formally requesting that TrueAccord cease all communication with me except for : Providing the full validation documents as requested, or Confirming in writing that the account has been permanently closed and deleted from my credit report.

Summary of Action Requested 1. Provide full debt valida
tion documents by mail, not email.

2. Immediately and permanently delete this collection account from all credit reports.

3. Cease all collection activity until these steps are completed.

I am committed to resolving this matter fairly and legally, but I must insist that all actions taken comply with the FDCPA and FCRA. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as proof from the US 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 2025-09-18 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I was misled into signing fraudulent documents with The XXXX XXXXXXXX XXXX XXXX XXXXXXXX under false pretenses. This led to an unauthorized {$1200.00} account being reported by XXXX XXXX XXXX. I never authorized this debt and have already provided proof of identity theft, including an FTC Identity Theft Report ( # XXXX ), XXXX XXXX XXXX XXXX Police Report ( # XXXX under Criminal Investigations ), and a XXXX  complaint filed under ID # XXXX. 

Despite this overwhelming fraud evidence and even confirmation from the original creditors Director of Operations that the account should be removed, Experian failed to remove the fraudulent collection. Instead, Experians investigation concluded the account was verified, but no actual documentation or method of verification was ever provided to me, even though I formally requested it. 

As a result, this inaccurate account has caused me severe credit harm ( over XXXX points on Experian ), denials of credit, financial losses, and emotional distress. Experian failed its obligations under the Fair Credit Reporting Act ( FCRA 611 ) by not properly investigating my dispute and by refusing to provide the method of verification.

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 2025-09-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX via TRANSUNION XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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