vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: MI

Complaint narrative:
Account kick off Acc # XXXX Started billing on XX/XX/XXXX The Credit amount issued was {$2500.00} no card or anything to access the credit was issued to me They charge {$20.00} dollars per month and took money out of my account under false statements The 1st withdraw XX/XX/XXXX I was told to tryout for 30 days with no cancellation fee money back guarantee On XX/XX/XXXX The company Kept billing up to XX/XX/XXXX taking money out my bank account after reaching out declining service to the point I had to dispute the charges and stop them On XX/XX/XXXX the account was charged off The company has no official contact information and violated my rights to fair trade XXXX XXXX XXXX XXXX Only for payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX XXXX This company has no business Address and has issued no credit, or way to access credit nor a way to contact consumer complaints

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
By law 15usc1681c-2 I have reviewed my credit report and identified several accounts, inquiries, and entries that do not belong to me, we're not opened or authorized by me, and were created through identity theft under Federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently received communication indicating that I owe a debt on the WFBNA CARD account ending in XXXXXXXX XXXX XXXX XXXX XXXX. This information was unexpected and unclear. I have not received sufficient documentation proving that this debt is valid, legally collectible, or that you have the authority to collect it.

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 2025-11-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive been disputing these accounts since XX/XX/year>, yet they continue to appear on my credit report. This is completely unacceptable and frustrating beyond belief. Despite multiple attempts to resolve these issues, both XXXX XXXX ( Account Number : XXXX ) and XXXX XXXXXXXX ( Account Number : XXXX ) have been reinserted into my credit file after I previously disputed them and had them removed. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when an account is reinserted, the consumer must be notified within 5 business days. Its been months, and I still have not received any notification. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Its like Ive been filing these disputes for nothing, and these accounts are still there, is this a joke? I demand that both XXXX XXXX and XXXX XXXX be permanently deleted from my credit report. They have been inaccurately reported and reinserted without proper validation. These errors are damaging my credit, and Ive had enough of being ignored. Ive already filed an FTC report regarding these issues, and yet here we are, still unresolved. Its time for action.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Requested to fight a fraudulent charge on card for chime transaction with chime on XXXX Account Number Ending In : XXXX Claim ID : XXXX The card was rejected due to insufficient fund earlier in day for a pictureframes.com on XX/XX/year> charge but would not tell me why that was made as i never purchased from picture frames website. and chime allowed me to request advance funds from account, used those funds to then later make purchases with debit card at popeyes and tastea and chime later received a charge from XXXX office fraudulently made and would not allow me to dispute until XXXX. Filed the dispute and they informed me in a few days that they were not going to reverse charge. Called their customer service and tried to appeal and they refused a second time after the appeal was completed saying that they would not refund a fraudulent charge. I canceled my card but i tried to ask customer service agent for more information on the declined charges and she didnt answer after asking her twice if she could give me more information regarding those declined transactions someone was making on my card. I attempted to make a purchase using my chime card through apple pay but the card was not active so i was not able to use that card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the following item on my Equifax credit report. This item is either inaccurate or does not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraud Department / Credit Reporting Dispute XXXX XXXX XXXX XXXX, NC XXXX Subject : Demand for Immediate Removal Fraudulent Account Dear Sir or Madam, I am writing regarding an account that was fraudulently opened under my name and Social Security number. I did not open or authorize this account, nor did I authorize anyone else to do so. 

Despite multiple prior requests for verification of this account, including a copy of the application bearing my signature and identification used, I have received no response. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate disputed information on my credit report. Since this account is fraudulent and can not be verified as opened by me, I demand that it be removed from my credit file immediately.

I expect written confirmation of the removal of this fraudulent account within the timeframe allowed by law. Failure to comply may result in me taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies under the FCRA. 

This account does not belong to me and must be removed from my credit report immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
The continued reporting of these collection accounts without proper verification is a violation of my rights under 15 U.S. Code 1692g, which requires debt collectors to provide full and complete validation of the debt upon request. I have repeatedly requested validation in writing, yet no verification has ever been provided. Instead of complying with federal law, the only activity occurring on these accounts is the constant updating of remarks and changing balancesnone of which constitute lawful validation. Meanwhile, I remain completely in the dark about what is happening behind the scenes. I have no knowledge of what the credit bureau is doing with the information being submitted, nor do I have any clarity on what these companies are reporting to you or how you are processing their submissions. 
Because the collector has failed to validate the debt as required, any further reporting to the credit bureaus clearly constitutes continued collection activity. Reporting, updating, verifying, or altering an account with a credit bureau is specifically considered a form of collection under the FDCPA, and such actions are not permitted once a written dispute has been submitted and validation has not been provided. 
The ongoing presence of these unverified accounts on my credit report is inaccurate, unfair, and unlawful. This violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information furnished to consumer reporting agencies be accurate, complete, and verifiable. Yet these accounts continue to be reportedoften updateddespite the fact that they have never been lawfully validated in response to my repeated written requests. 
I am deeply concerned and increasingly frustrated that both the collection agencies and the credit bureaus continue these actions without transparency or accountability, despite clear federal protections intended to prevent this type of harm. It is difficult to understand how it is acceptable or fair for my rights to be ignored, my disputes to be dismissed, and my credit file to be negatively affected by information that has never been supported with any lawful documentation. These ongoing failures undermine the consumer protections that federal law was specifically designed to guarantee. 
Accordingly, I am formally requesting the immediate removal and permanent deletion of these unverified accounts from my credit file, as they can not be validated in compliance with federal law. Their continued reporting is unlawful and must cease immediately.

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 2025-11-20 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: LA

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 explanation
Consumer complaint received 2025-11-20 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: KCB Credit LLC
State: NV

Complaint narrative:
I am submitting this complaint to formally dispute and demand correction of inaccurate and unverified negative entries that continue to appear on my credit report. Despite multiple prior requests and the submission of all required supporting documentation, these inaccuracies have not been adequately investigated or corrected. My follow-up efforts have been repeatedly disregarded or left unresolved, resulting in ongoing financial harm and emotional distress.

Under the Fair Credit Reporting Act ( FCRA ) including but not limited to 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 1681e ( b ) ( Accuracy of Consumer Reports ) I am legally entitled to a credit report that is accurate, fair, and fully verifiable. Consumer reporting agencies and furnishers are required to conduct a reasonable, good-faith investigation when a consumer disputes information and must delete or correct any item that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The vehicle was damaged and i could not afford to pay repair costs. I personally called Capital One, gave them my location and requested the car be voluntarily repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I am writing to dispute the following information on my TransUnion credit report. I believe these entries to be inaccurate, incomplete, or outdated, and I respectfully request that they be corrected or removed. Please find the details of the disputed accounts listed below : Charged Off Accounts : XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$10000.00} Late Payment ( XXXX ) : XXXX XXXX XXXX ( Account Number : XXXXXXXX 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