vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and found several accounts that are inaccurate and do not belong to me. Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information, if any information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted from my file.

Please remove the following accounts from my credit report immediately : Negative Accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} Past Due : {$700.00} Status : XXXX XXXX XXXX XXXX late payments ( 30 & 60 days late in XXXX ) XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Past Due : {$1200.00} Status : Closed Charged Off 32 months derogatory history Last Payment : XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$170.00} Past Due : {$170.00} Status : Collection Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and found several accounts that are inaccurate and do not belong to me. Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information, if any information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted from my file.

Please remove the following accounts from my credit report immediately : Negative Accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} Past Due : {$700.00} Status : XXXX XXXX XXXX XXXX late payments ( 30 & 60 days late in XXXX ) XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Past Due : {$1200.00} Status : Closed Charged Off 32 months derogatory history Last Payment : XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$170.00} Past Due : {$170.00} Status : Collection Opened XX/XX/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 2025-08-14 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: Kikoff Inc.
State: ID

Complaint narrative:
I am the XXXX XXXX XXXX XXXX XXXX, and I am seeking prompt resolution to require immediate closure of a fraudulent account that was opened by someone who has apparently stolen my personal information. I am a federal employee who has active credit monitoring provided by XXXX due to the XXXX security breach experienced by the Office of Personnel Management. On XXXX XX/XX/XXXX, I received an email alert from opm.myidcare.com that a new trade line had appeared on my credit report. On XXXX XX/XX/XXXX, I received a second email alert that a new account appeared on my credit report. I contacted XXXX via phone on XXXX XX/XX/XXXX and was informed that a new account had indeed been created with a company named Kikoff Lending. The account was apparently created with Kikoff Lending by someone unknown to me illegally using my personal information. On XXXX XX/XX/XXXX, I was contacted via phone by a Restoration XXXX with XXXX Experian ( XXXX ). He confirmed that someone had indeed created a credit card account with Kikoff Lending using my personal information. I reiterated that this account was created by someone illegally using my personal information. The Restoration XXXX then initiated a three-way teleconference with a representative from Kikoff Lending . The Kikoff representative confirmed that an account was created using my personal information on XXXX XX/XX/XXXX. I confirmed with them during the phone call that this account was not created by me or with my permission and that that the account appears to be the result of identity theft. We requested that the account be immediately closed, but the representative from Kikoff stated that this request needed to be submitted in writing via email. I provided the email to Kikoff on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I received a response from Kikoff that they have denied my assertions that I am the victim of identity theft. On XXXX XX/XX/XXXX, I provide an immediate response stating that I am in complete disagreement with their response and provided them with pdf copies of the FTC Report and the Police report that I had filed with a request that they close the account immediately and that I be not held liable in any way for this account that was created using my stolen personal information.. I reiterated my position and my request that the fraudulent account be closed in a follow-up email on XXXX XX/XX/XXXX and requested that Kikoff elevate my complaint to supervisory or management level for prompt resolution. I reiterated that I will not be held liable for this account in any way. I have not received a response from Kikoff as of this writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i get XXXX big wire transaction on my account that i wast apply

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 2025-08-14 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-14 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-14 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Issue Type : Credit reporting companys investigation did not fix an error on my report. 

Company : Equifax Information Services LLC Account in Question : XXXX XXXX XXXX Account No. XXXX XXXXXXXX Date Opened : XX/XX/XXXX Complaint : I submitted disputes to Equifax on XX/XX/XXXX, regarding inaccurate, incomplete, and inconsistent credit reporting for XXXX accounts : XXXX. XXXX XXXX Account ending in XXXX ( Opened : XX/XX/XXXX ) The account is marked Paid as Agreed but the payment history shows severe late payments ( up to 150179 days late ). 

The Date of First Delinquency ( DOFD ) is missing from the designated field. 

Without the DOFD, the late payment history is incomplete, misleading, and lacks the required context. 

This omission violates FCRA 607 ( b ) and FCRA 623 ( a ), which require complete and accurate reporting. 

I requested a full reinvestigation, proper reporting of the DOFD, or removal of the delinquency notations if the DOFD can not be verified. 

* XXXX. XXXX XXXX XXXX Account ending in XXXX ( Opened : XX/XX/XXXX ) Inconsistent Last Payment Dates Some months show XX/XX/XXXX, others show XX/XX/XXXX. 

Inconsistent High Credit Amounts Alternates between {$13000.00} and {$11000.00} without explanation or documented correction. 

Improper Past Due Reporting After Charge-Off Equifax continues to report a monthly past due amount even after the account was charged off, which is inaccurate because no new past due amounts can accrue post-charge-off. 

These errors violate FCRA 623 ( a ) ( 1 ) ( A ), FCRA 607 ( b ), FCRA 611, and Metro 2 compliance standards for data consistency. 

I requested that Equifax correct the data or delete the account entirely if accurate verification can not be provided. 

Impact : These inaccuracies create a misleading and damaging representation of my creditworthiness. Equifax has a duty to ensure maximum possible accuracy and to fully investigate disputed information. The continued presence of these errors is harming my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-14 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 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an a dequate response.

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 2025-08-14 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-14 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-14 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
Automotive Credit corporation keeps changing the history on this account. This happened several times and I reported to the credit reporting agency, and they do nothing about it. The last activity in this account was on XX/XX/XXXX, XXXX. Automotive credit is reporting current on XX/XX/XXXX, and now they changed it to XX/XX/XXXX ( XXXX  ). This is causing a re-Aging of the account and it's also dropping my score.

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 2025-08-14 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: NJ

Complaint narrative:
This is a legitimate complaint that requires immediate attention. My credit report contains inaccurate information that fails to meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. These errors are causing serious, ongoing harm. I insist that they be fully investigated and either corrected or removed without delay. Resolution is not optionalit is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a legitimate complaint that requires immediate attention. My credit report contains inaccurate information that fails to meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. These errors are causing serious, ongoing harm. I insist that they be fully investigated and either corrected or removed without delay. Resolution is not optionalit is critical.

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Accounts were open fraudulently. I did not give consent for the accounts to be opened.

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 2025-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: KY

Complaint narrative:
I have student loans with Mohela ( formerly XXXX XXXX ) and I currently can not afford to make my monthly payments because they want more than what my mortgage is every month. My family of XXXX is currently living on XXXX income that my wife earns and she is a teacher so it isnt really much. We are barely able to make ends meet from month to month. I currently can not work due to some mental health issues and I am receiving anywhere from XXXX calls daily from mohela telling me that my payments are past due, etc. Just last week I received a total of XXXX calls from them. I have told them that I am not working and they have not offered to help me lower my payments nor have they offered any other suggestions, all they do is tell me that theyll push the calls out and then they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Complaint Description : I am disputing the accuracy of this loan and requesting its removal from my credit report. I believe the account has been reported in error and does not accurately reflect my financial situation. The loan was connected to circumstances beyond my control, specifically during the COVID-19 period, which severely impacted my income and ability to pay. I also previously requested a payment reduction due to financial hardship, which was denied. 

I am requesting that this account be fully investigated and that all supporting documentation be provided to verify the validity of the debt. If the company can not provide proof of its accuracy and legitimacy, I request that the account be removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/2025, after applying to obtain a mortgage to buy a house, a collection for {$10000.00} showed in my account from apartments via National Credit Systems. I never lived in that complex or signed any documents. I disputed the deb with XXXX  on XX/XX/2025 via their online portal, also disputed the charge with National Credit Systems and asked National Credit Systems for proof that this is my debt and they do not have any. XXXX  dispute # XXXX came back, after they did research, that the debt was mine. I called XXXX  again and they asked me for proof that the debt was not mine. I don't have proof that is not mine, but National Credit Systems doesn't have proof that is mine. XXXX  asked me to send another dispute, with copy of my documents, and I did and dispute # XXXX did do anyhting different than the first time. The dispute # XXXX with XXXX, # XXXX, results came back XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation