vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: NJ

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Re : Cease & Desist Request for Immediate Deletion of Charged-Off Account Account Name : Kikoff Lending LLC Account Number : XXXX  Date Opened : XX/XX/XXXX Status Reported : Charged Off / {$180.00} Written Off as of XX/XX/XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist Notice and Demand for Immediate Deletion of the above-referenced account from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX 

Your company reported this account as charged off and written off as of XX/XX/XXXX, with a balance of {$180.00}. Once an account has been charged off and written off for tax purposes, under IRS Regulation 26 U.S.C. 6050P, the debt is considered legally canceled. Continuing to report this account as delinquent or active constitutes inaccurate and misleading information, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

You are also in violation of 15 U.S.C. 1681i and 1681s-2
( b ) for furnishing incomplete and inaccurate information after a charge-off was processed. If a Form 1099-C was issued to the IRS, that filing confirms the account was discharged and no longer collectible. Therefore, there is no lawful reason this account should remain on my consumer report.

I hereby demand the following : 1. Cease and desist from any further reporting, collection, or transfer of this account to any bureau or third-party agency.

2. Immediately delete this account from my credit file with XXXX  and XXXX 
3. Provide written confirmation of deletion within 15 business days of receipt of this letter.

4. If you claim continued validity of this reporting, provide documented proof that a Form 1099-C was not issued and that this account remains legally collectible. 



Failure to comply with this request within 15 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful noncompliance under 15 U.S.C. 1681n. I will also seek civil remedies for any continued reporting or communication regarding this account in violation of 15 U.S.C. 1681s-2 and 1692c ( c ). 

Please note, this is a formal notice to cease all communication except to confirm deletion or provide documentation validating continued reporting. 



SincerelyXXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: WV

Complaint narrative:
Friday XXXX XXXX I meant to send my neighbor {$10.00} dollars for giving me a ride to work. I accidentally sent {$110.00}. I asked my neighbor to return the XX/XX/XXXX because it was a mistake but they refused. I requested a refund through cash app but they stated the person has to willingly send it back wich they have not done and refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
It gives a wrong idea of what I believe financially.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: AZ

Complaint narrative:
I am filing a formal complaint against Vance and Huffman LLC and the credit reporting agencies XX/XX/XXXX and XX/XX/XXXX) for reporting inaccurate and unverified information on my credit file. 
A collection account from Vance and Huffman LLC is currently being reported, yet I have no record of ever having any financial relationship, contract, or account with this debt collector or the alleged original creditor. I have never received documentation or validation proving that this debt belongs to me. 
This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in a consumer report. Reporting a debt without verified documentation fails to meet this legal standard.

15 U.S.C. 1681i ( a ) : When a consumer disputes an account, the credit reporting agencies must conduct a reasonable reinvestigation and provide proof that the debt is valid. My previous dispute was not properly investigatedno documentation or validation was provided, yet the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Victim of Equifax XXXX XXXX ( XXXX XXXX. XXXX ) Violations of 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING LACK OF REQUIRED IDENTIFYING INFORMATION Midland Credit Management INC is unlawfully harassing me over a purported debt of {$180.00} ; allegedly owed. Midland Credit Management INC collection letters and calls supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation and licensing requirements. 
In order to satisfy the consumer protection statutes at the federal and state level, Midland Credit Management INC must furnish the following documents prior to its reporting of the account : XXXX. Original Purchase Agreement : A copy of the fully executed, original ( or certified copy ) purchase agreement that evidences the existence and terms of the original debt, including Plaintiffs signature or acknowledgment of the terms. 

XXXX. Notice of Sale : A copy of the notice of sale or other documentation evidencing the transfer or assignment of the alleged debt from the original creditor to Defendant, evidencing a complete and unbroken chain of title. 

XXXX. Additional Permissible Purpose Documentation : Any additional documentation that demonstrates the existence of a legally cognizable permissible purpose pursuant to 15 U.S.C. 1681b for reporting the alleged debt. 

I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: CA

Complaint narrative:
It sends a misleading message about my stance on money.

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 2025-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Sunnova Energy Corporation
State: CA

Complaint narrative:
The {$47000.00} Was Dismissed In A Court Proceeding, Sunnova Energy Is In Bankruptcy Right Now

Company response to consumer: Untimely response
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I created an account with Capital One XX/XX/XXXX around XXXX and someone else had logged into my account by XXXX XX/XX/XXXX and added a new address and email address to receive updates and receive my new credit card. I called Capital One to resolve the issue and quickly realized their fraud department does not have access as they should. They could not provide me with any information as to how this happened, who is attempting to possess my card, or any understanding or sympathy. They were able to get the email address removed from my account, but then said they needed to speak with an Account Specialist to get the address removed from my account. They stated the address was removed from my account while I can still view it via web browser and the app. They do not monitor fraud like they advertise and seemed less than concerned that someone else could potentially be able to have access to not only my credit card, but my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - XXXX/XXXX/202 XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX my XXXX  was involved in a car accident due to a driver merging into his lane and causing a car accident which resulted into his car being considered totaled by our insurance adjuster. The vehicle was financed through XXXX XXXX XXXX XXXX. Due to the cost of the vehicle and what the insurance felt the vehicle was worth the insurance paid off what they felt the vehicle was valued at and not the full amount owed to pay the vehicle off. The insurance company mailed a check to XXXX XXXX XXXX XXXX for {$17000.00} but that was not enough to fully payoff the vehicle due to the car accident. Luckily we purchased an extended warranty as well when we purchased the vehicle. The extended warranty would be liable to pay the reminder of the balance to pay it off to XXXX XXXX XXXX XXXX which they estimated at {$2100.00}. The extended warranty did finally pay it off as of last week. With all of the paperwork and back and forth it took four months to fully and finally pay off the vehicle after the accident. My issue is that XXXX expected me to continue making payments on a vehicle that was totaled, a vehicle that they received a check for {$17000.00} from the insurance company, a vehicle they was aware of by me that the warranty was in the process of paying the remainder balance. They did not care, we were told that large payment from the insurance company goes to the principal only and not the payment even though there was only {$2100.00} left to be paid by the extended warranty. XXXX XXXX XXXX XXXX reported two late payments to my credit report for this. It has been very stressful to know that you can get into a car accident which was not your fault and your lenders have no compassion and seem very fraudulent about the whole situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX my son was involved in XXXX XXXX XXXX due to a XXXX XXXX into XXXX XXXX and causing a XXXX XXXX which resulted into his car being considered totaled by our insurance adjuster. The vehicle was financed through XXXX XXXX XXXX XXXX. Due to the cost of the vehicle and what the insurance felt the vehicle was worth the insurance paid off what they felt the vehicle was valued at and not the full amount owed to pay the vehicle off. The insurance company mailed a check to XXXX XXXX XXXX XXXX for {$17000.00} but that was not enough to fully payoff the vehicle due to the car accident. Luckily we purchased an extended warranty as well when we purchased the vehicle. The extended warranty would be liable to pay the reminder of the balance to pay it off to XXXX XXXX XXXX XXXX which they estimated at {$2100.00}. The extended warranty did finally pay it off as of last week. With all of the paperwork and back and forth it took four months to fully and finally pay off the vehicle after the accident. My issue is that XXXX expected me to continue making payments on a vehicle that was totaled, a vehicle that they received a check for {$17000.00} from the insurance company, a vehicle they was aware of by me that the warranty was in the process of paying the remainder balance. They did not care, we were told that large payment from the insurance company goes to the principal only and not the payment even though there was only {$2100.00} left to be paid by the extended warranty. XXXX XXXX XXXX XXXX reported two late payments to my credit report for this. It has been very stressful to know that you can get into a car accident which was not your fault and your lenders have no compassion and seem very fraudulent about the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
two hard inquiries on my account i did not authorize XXXX XXXX  XX/XX/2025 and XX/XX/2025 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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/year> Jefferson Capital Systems Jefferson Capital Systems ACCT # XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Request for Debt Validation Pursuant to XXXX5 U.S.C. 1692g Dear Jefferson Capital Systems I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation to verify your claim. 
Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed accounting of any fees, interest, or charges. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt. 
XXXX. Proof that your agency is licensed to collect debts in my state. 
Until this debt is properly validated, you must cease all collection activity, including reporting to credit bureaus, per the FDCPA. Be advised that any further attempts to collect without proper validation may constitute a violation of federal law. 
This is a request for information only and is not a refusal to pay. Please respond within 30 days from receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/2280XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Had a 72 month Auto loan. I have paid on it for 82 months now. My online account says I have XXXX payments left however ally continue to add to my bill. Now they say I owe another XXXX but can't tell me why or what it's for they refuse to release my title or admit the loan has been more than satisfied. They claim throughout the loan I received 10 extensions. Moved ten payments to rear or the loan. Even though I didn't agree totally with this number I paid my normal loan payment for an additional 10 months past my 72 month loan completion date. Still not satisfied they said I owed another payment. Even after i paid another payment they now want more. I am being taking advantage of and screwed over!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
Follow legal provisions to ensure timely removal of disputed accounts.

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 2025-10-26 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: KY

Complaint narrative:
I reviewed my Equifax credit report dated XX/XX/year>, and compared it to my earlier report from XX/XX/year>. Several errors remain uncorrected. 
The XXXX XXXX account appears multiple times with different dates and statuses. One version shows it disputed and charged off, another shows it closed. This duplication is misleading. 
Several accounts including XXXX, XXXX XXXX, XXXX, and XXXX XXXX are marked consumer disputes after resolution. I have not reopened or filed new disputes, making this notation inaccurate. 
Charged-off accounts still show unpaid balances even though they were closed or transferred : XXXX {$1100.00}, XXXX XXXX {$2600.00}, XXXX {$160.00}. These should reflect {$0.00}. 
My report lists old names, employers, and multiple outdated addresses. Only my current and verified information should remain. 
The XXXX XXXX account shows as paid but also reports Late 90 Days, which is inaccurate for a paid account. 
These errors affect my creditworthiness and violate FCRA accuracy and reinvestigation requirements. I am requesting that Equifax conduct a full reinvestigation and correct or delete all inaccurate, duplicated, or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
Act quickly to remove disputed accounts as mandated by law.

Company response to consumer: Closed with non-monetary relief