vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Requested Validation Of The Debt Listed Below : Jefferson Capital Systems Collections Date Opened XX/XX/XXXX Balance - {$720.00} Last Reported XX/XX/XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Derogatory Highest Balance {$720.00} Disputed No Remarks Placed for collection Account information disputed by consumer, meets FCRA requirements Original Creditor XXXX XXXX XXXX XXXX Responsibility Individual Creditor Info JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-11-28 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: ME

Complaint narrative:
Because of my complaint filed on XX/XX/XXXX, Experian placed a fraud alert on my credit report, even though my complaint was directly about Experian. Nothing to do with fraud whatsoever. This makes it very difficult applying for credit, and in direct retaliation for my complaint. 

Remove the unauthorized fraud alert.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was closed suddenly on XX/XX/year>, with no reason my monthly ssi check goes into this account They still aren't letting me know why my account is closed I've been in good standing for about XXXX  years with no issues Plus, becuase of this i cant open a account at any bank... they won't even investigate this for me and im requesting why I belive I've been frauded by a outside source... i would like a investigation into my social security number i cant even buy or do anything without a bank why would I mess up my own acess to my bank account where I was also building my credit from them? Im trying to buy my first car cant do that without a account .. PLEASE HELP ME MY ACCOUNT WAS CLOSED WITHOUT ANY NOTICE AND THEY ARE REFUSING TO LOOK INTO IT TO SEE IF IT WAS EVEN A MISTAKE ON THEIR END NOW I CANT OPEN A BANK ACCOUNT AT ALL WITH ANY BANK THIS HAS TO BE FRAUD OR SOME MISTAKE IM CURRENTLY IN XXXX  NOW AND CZNT EVEN OPEN A BANK ACCOUNT I HAVE NO HISTORY EVER OF DOING ANYTHING FRAUDULENT WITH A BANK ACCOUNT

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX someone got into my Chime account, removed my passkey/facerecognition, changed information on account and made more than XXXX transfered transactions to multiple accounts that were not on my contacts, for a total of {$2100.00}, i was at work when this was happening and as soon as i got a break and checked my phone i saw the emails from a couple of minutes ago about the changes and transactions, i inmediatly called customer support and asked to speak with fraud support, the first guy who answered was not able to help me because he could not verify my identity and asked me to call again and see if someone else could help me, called again a lady answered and help me make the claim and get access to my account, the claimed was denied for lack of evidence apparently so i called back and requested for it to be re open and i submitted screensshots of everything expecting they can do something more than just close it and leave me without all the money i lost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I used XXXX, who is partnered with Affirm to purchase an item with a merchant listed on their site ( merchant is XXXX XXXX ). The item I received from the merchant was damaged and defective. Ive been trying to rectify the issue with the merchant and it has not come to a resolution. However, even with the defective item, I completed the loan terms of the XXXX agreement and paid the loan in full on XX/XX/year>. I filed a dispute with XXXX and even with the defective item, they found the dispute in favor of the merchant XXXX XXXX. XXXX then proceeded to illegally charge off the account because they stated the have not received any payments and the loan terms were not completed. I have provided proof multiple times that the loan was paid in full, and the matter seems to not have come to a resolve. This is a predatory, unfair, and illegal practice, and I notified the company that I would be moving forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
I am filing this complaint because several items appearing on my credit reports with the XXXX major credit bureaus ( XXXX XXXX and TransUnion ) are inaccurate, incomplete, or can not be properly verified. I have attempted to resolve these issues directly with the credit bureaus but have not received satisfactory responses. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that my reports are corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts in Dispute XXXX XXXX # XXXX | XX/XX/XXXX | {$740.00} Dispute : Please verify the charge-off status and balance accuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX | {$91.00} Dispute : I do not recognize this account. Please validate or remove. 

XXXX XXXXXXXX XXXX XXXXXXXX ( {$800.00} ) and # XXXX ( {$520.00} ) | XX/XX/XXXX Dispute : These may be duplicate or inaccurate entries. Please provide full verification or delete if unverifiable. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute : These inquiries were not authorized by me. Please confirm permissible purpose under FCRA Section 604. 

Late Payments in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute : Reporting of late payments appears inaccurate or inconsistent across bureaus. Please verify and correct as necessary.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am disputing inaccurate information reported by Southeast Toyota Finance on my auto loan. Specifically, the company claims that the XX/XX/XXXX payment was not made on time. However, my XXXX credit report clearly shows the XX/XX/XXXX payment as paid, creating a direct contradiction. 

This discrepancy affects the entire sequence of reported delinquencies ( 30/60 days ) and the charge-off they reported in XX/XX/XXXX. A charge-off can not be accurately reported if the delinquency chain is based on incorrect or unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to dispute certain items on my credit report with Experian that I believe to be inaccurate or incomplete. Below are the details of the accounts that I am disputing : CHARGED OFF Account Name 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, XX/XX/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 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

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX, I identified an inaccurate entry on my credit report related to PROCOLLECT , INC showing a balance of {$4800.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt. 

After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. PROCOLLECT , INC did not provide proper verification and did not respond to my request. 

The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.

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 2025-11-28 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: OR

Complaint narrative:
I am writing to dispute certain items on my credit report with Equifax that I believe to be inaccurate or incomplete. Below are the details of the accounts that I am disputing 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I have an account on my credit file from Kikoff Lending. I don't know what Kikoff is and have never had a kikoff account. They are reporting that I had a card through them with a {$2500.00} credit limit and that I owe {$140.00} but i've never even had a kikoff card or a kikoff account. After asking them several times to provide information regarding who opened the account and what information they used to do so, they have yet to provide anything. The account was opened on XX/XX/XXXX closed on XX/XX/XXXX, credit limit of {$2500.00}, and {$140.00} reported balance, the remarks say profit loss off/write off. This is not my account. It's fraudulent, and I've gone back and forth through email with kikoff, and they will not remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent account that were opened without my knowledge or consent. Despite prior submissions these account or their related information continue to appear or remain unblocked in my file. The following fraudulent account must be permanently blocked and deleted from my credit file and any future reinsertion of this or related account must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNT XXXX Account XXXX XXXX Date Opened XXXX These account was opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these account. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these account has been permanently deleted and blocked from future reporting.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX -- - Company Being Complained About Citi Cards / Citibank Account ending : XXXX Reporting to : XXXX XXXX XXXX  Category : Incorrect Information on Credit Report -- - Complaint Statement Citibank is reporting inaccurate and incomplete information on a credit card account discharged through my XXXX XXXX Bankruptcy. 

The account shows : Status : Discharged through Bankruptcy XXXX XXXX ( updated XX/XX/year> ) No payment history provided No date of first delinquency reported No charge-off or closure information provided A highest balance of {$700.00} but no balance reporting at discharge Missing terms, monthly payment, recent activity yet still reporting the tradeline as active derogatory history This information is not accurate, not complete, and not verifiable, violating federal reporting standards. 


-- - Legal Violations FCRA 1681e ( b ) Failure to maintain accuracy FCRA 1681s-2 ( a ) Furnishing information known to be incomplete FCRA 1681i Failure to correct after dispute Bankruptcy Code 524 Discharge injunction A lender can not furnish derogatory or contradictory data after a bankruptcy discharge.

-- - Harm Done The incomplete and inaccurate reporting : Suppresses my credit score Causes lenders to believe the account is still derogatory Impacts my creditworthiness unfairly -- - What I Have Already Done I previously disputed with the credit bureaus, and Citibank verified incorrect and incomplete reporting.

This constitutes a failed reinvestigation under the FCRA.

-- - Requested Resolution I request that CFPB require Citibank to : 1 Remove the account entirely from all credit bureaus OR 2 Update the tradeline to : Closed/Included in Bankruptcy XXXX balance No derogatories after filing Remove unverifiable data ( balance, highest balance, missing history ) Provide written confirmation of compliance. 


-- - Certification I certify this information is accurate to the best of my knowledge. 

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 non-monetary relief
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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