vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: Kikoff Inc.
State: SC

Complaint narrative:
I am filing this complaint regarding Kickoff Lending LLCs inaccurate reporting of a charge-off on an account for which no funds were ever issued, used, credited, debited, or transacted in any manner, as reflected in my credit report previously provided. XXXX reported a trade line and subsequent charge-off without any verifiable extension of credit, which violates the accuracy and verification requirements under 15 U.S.C. 1681e ( b ) and the furnisher prohibitions on reporting information known to be false under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Kickoff Lending LLC has failed to produce any evidence of capital advanced, ledger entries, credit usage, or an account agreement authorizing charges, yet reported a delinquency and charge-off. Under 15 U.S.C. 1681s-2 ( b ), once a dispute is raised, the furnisher must conduct a lawful investigation and verify the accuracy of the information before continuing to report it. No such verification has been provided. 

Furthermore, once an account is charged off, the furnisher treats the balance as a loss for accounting purposes, and the value is claimed as compensation or tax benefit under 26 U.S.C. 166. Accordingly, any further attempt to collect, report outstanding obligations, or impose fees on an account where no funds were ever used constitutes an overpayment, rendering continued reporting deceptive under 15 U.S.C. 1692e and unfair under 15 U.S.C. 1692f. 

In light of these violations, I request that the CFPB require Kickoff Lending XXXX to provide : XXXX. Full validation, including proof of funds issued and used ; XXXX. A complete accounting ledger showing debits ; XXXX. The original signed agreement authorizing charges and reporting ; 4. Verification supporting the charge-off and its accuracy.

If Kickoff can not verify legitimate credit use, the charge-off and all negative reporting must be deleted under 15 U.S.C. 1681i ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. XXXX XXXX XXXX is reporting a fraudulent collection account in the amount of {$1300.00} on my credit file. I did NOT create, authorize, or open this account.

I submitted a valid FTC Identity Theft Report along with my government ID and proof of address. This satisfies all requirements under FCRA 605B for mandatory blocking of fraudulent information. 

Despite this, the credit bureau continues to report this account and claims the furnisher " verified '' it, shown by the status Consumer disputed meets FCRA requirements dated XX/XX/year>. This so-called verification is not legally compliant because : 1. No original contract, application, or evidence has been provided showing I opened this debt.

2. The furnisher was allowed to " verify '' without supplying documentation.

3. FCRA 605B requires the CRA to block and delete fraudulent information within XXXX business days after receiving a valid identity theft report.

4. FCRA 611 ( a ) and 611 ( a ) ( 7 ) require a reasonable reinvestigation and method-of-verification disclosure, which did not occur.

The continued reporting of an identity-theft account after receiving my FTC report XXXX a direct violation of federal law. I am requesting immediate blocking and deletion of the XXXX XXXX XXXX account from my credit report and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 2025-12-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-08 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: FL

Complaint narrative:
There is no relationship between me and these accounts ; remove them within 15 days according to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I feel XXXX is trying to take advantage of me. By advising to used my XXXX Credit XXXX  to purchase another XXXX XXXX XXXX XXXX. After I have already purchase XXXX XXXX XXXX XXXX with my XXXX XXXX XXXX. That paid in full. That should've been reinburse back into my XXXX XXXX XXXX. Instead they They added it to my XXXX XXXX Account. Who still having problem in receiving another XXXX XXXX online from them. They have charge me for XXXX XXXX XXXX that has been return by me. The first XXXX XXXX battery wasn't charging. The second XXXX XXXX wouldn't come back on! After I had created password for the second XXXX XXXX! Which wouldn't allowed me to erase my personal info before returning it back?

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC

Complaint narrative:
Selene Finance has force placed insurance on my mortgage. I have insurance and have provided them with the Evidence of Insurance. My insurance company, XXXX, has provided them with the policy yet they will not remove the force place policy that they have purchased. This has caused my payments to increase by {$500.00}. 

I have had all sorts of excuses from Selene Finance. Once I was told that the policy doesn't indicate the amount of coverage, which it clearly does. The XXXX amount is clearly stated on there. 

Another time I was told that the policy I have is for a multi-family and that the property is a single family residence. I reassured them that the policy is for a single family residence. 

In my latest call, they claim that the policy is for a XXXX XXXX and not for a single family home. 

I have spoken with XXXX and they have confirmed and reconfirmed it is a policy for a single family residence at XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. The policy is not for a condo unit nor is it for a set of units. The insurance company has underwritten this policy for a single family residence and is the correct type of insurance. Yet, Selene Finance will not remove the force place policy. 

I want Selene Finance to call XXXX themselves to self satisfy that we have the correct policy on file and to remove the force place policy. I also need them to retroactively refund all of the unearned insurance premiums they have collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: WA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. XXXXi of the Fair Credit Reporting Act, please delete these entries within XX/XX/XXXX days. Enclosed are supporting documents for your review.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year> I I check my bank account and I noticed that I received my paycheck my check amount was {$1600.00}. I immediately move the remaining amount that was in my credit builder to my checking acct the amount was XXXX and something dollars I then logged out XXXX minutes later I received a text saying that my chime account has been updated to a different phone number and that if I did not make that change to contact chime immediately, I immediately contact the chime because I did not make that change the number that was ending was not my number while waiting on chime. I then check my bank account again and noticed {$400.00} was missing out my checking account while on hold. I immediately jumped out of bed and went straight to XXXX to remove the remaining amount out of my chime account I then got someone on the phone from Chime and I asked them what was going with my account, they then change my number back to what its supposed to be and I put fraud on my account while in the process of talking to the chime member. I then check my transactions and noticed that the money was sent to someone named XXXX XXXX I do not know who that person is. There is no proof iin my chime account showing that I sent that money from my phone. I filed a dispute. My dispute was denied. I was told to go get a Police report. I immediately went to the police station and got made a report I had to wait a few days to get the report on Monday, XX/XX/year>. I receive my police report sent them my report about XXXX hours later my second dispute was denied. I then contact the Chime again and ask what else was needed. I was told to write a letter saying what happened even though on the police report I stated everything that happened. I was told to rewrite a letter I did just that I then contacted XXXX again and I was told I can not put a third dispute after someone told me I can. I was basically told that my money is gone and theres nothing I can do about by a chime supervisor also my number became block from callings Im not able to contact Chime anymore. I do not know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: MN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Untimely response