vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: MO

Complaint narrative:
I am submitting this dispute regarding the reporting of my XXXX XXXX XXXX  XXXX account ( Balance : {$200.00}, Date Opened : XX/XX/XXXX, Last Payment : XX/XX/XXXX ), which is currently listed as 120 days late, because this information is inaccurate, incomplete, and unverifiable, misrepresents my actual payment history, and has negatively affected my creditworthiness, and I am requesting that the credit reporting agency and XXXX XXXX XXXX  conduct a full and thorough reinvestigation of this account, provide all documentation, records, and evidence used to support the reported delinquency, correct any inaccurate or unverifiable information, ensure that my credit report accurately reflects my true payment history in compliance with all applicable provisions of the Fair Credit Reporting Act ( including 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ) ), and provide written confirmation of all actions taken to restore the accuracy and integrity of my credit file.

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 2025-12-04 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-04 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:
b'To Whom It May Concern,\nI am writing to formally dispute and demand the immediate removal of the\nfollowing fraudulent accounts and inquiries from my credit report due to identity\ntheft. These accounts were opened without my consent, and I am invoking my rights\nunder the Fair Credit Reporting Act (FCRA) to have these items promptly removed.\nI am also writing to formally notify you that I am a victim of identity theft and request the\nimmediate blocking and deletion of all fraudulent accounts or information related to the\nidentity theft, as authorized by 15 U.S.C.  1681c-2(a). I became aware of the breach of\nmy personal information through the XXXX  data breach, which has exposed my\nsensitive data to unauthorized individuals.\nThe following fraudulent accounts and inquiries have been identified as a result of this\nbreach: 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 non-monetary relief
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
I am submitting to formally dispute several items currently reported on my Equifax, Experian and TransUnion credit file. After a thorough review of my report, I have identified multiple accounts that are inaccurate, incomplete, or unverifiable, and I am extremely concerned about the negative impact these errors have on my creditworthiness. It is imperative that Equifax, Experian and TransUnion address these matters immediately and in accordance with federal law, including the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) regarding disputes of inaccurate information, FCRA 623 ( a ) ( 2 ) regarding the duty of furnishers to correct and update, FCRA 605 ( a ) regarding obsolete information, and FCRA 609 ( 15 U.S.C. 1681g ) regarding my right to full disclosure of all reported information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$240.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
im formally disputting this debt becasue it does belong to me. after reviewing the information provided bby the company, there are clear errors and incosistencies that indicate this account is not associated with me and may involve potential identity theft.

the company itself informed me that this situation may fall under identity theft and advised me to submit an identity theft report. 

under the fair credit reporting act ( FCRA ) and under FACTA indentity theft provisions i am requesting that the company provide proper validation of this alleged debt and inmidiatelly cease reporting any inaccurate information. i have never opened, authorized, or benefited from this account and therefore this debt is invalid.

per FCRA s 602 and s 623 any furnisher of information mut ensure maximum possible accuracy and must correct or delete inaccurate, incomplete or unverifiable information. this incossistencies presented make this debt unverifiable and misleading. under FACTA indentity theft provisions this report is show incosistencies between buros report there is not payment plan or any payment history reported have also a code on experian that is not satisfayind the standard reported date of the account opened incorrect i request a full investigation and removalof this account thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital submitted 3 different collections on XX/XX/year> for accounts that has no original debtor information I have no knowledge of these accounts I don't who are where they came from me and my dad have the exact name maybe they're his accounts are I'm a victim of identity theft I received no information from them stating I owed anything or that I owed anyone I don't own these accounts this has been on my credit report fraudently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On Monday XX/XX/year> I have decided to leave American Express XXXX savings and transfer funds of XXXX to my local credit union account as its more convenient for me. I received an email that has been processed and that my request to close account had been completed. In that morning I received an email from American Express to call them at my earliest convenience. I called and talked to a representative. After providing my information to the rep to verify my account, they transferred me to another department. I provided information again to verify my information. After going through all of that the agent said they have to verify my identity. It was strange as they have already asked me information they needed to verify. This verification required me submitting my id picture and go through their system of biometric verification. After holding for a few minutes the agent tells me their system didnt work and I would need to go through notarycam process. This is where a notary and I talk on video to confirm my identity. I did that later that day as I had to make an appointment for it. On evening of XX/XX/year> I did the meeting with notary. Notary stated they will send information to American Express and that everything is good to go from their end. They even sent me a copy of the notarized document the said they sent to American Express that same evening. On the morning of XX/XX/year> I called American Express so that they can process my transfer and send funds to my account at credit union. After going through 10 minutes of providing information and transferring me to a department again to verify my information with customer service I was told they still have not received anything from a notary and I should call back later in the day or tomorrow. I called again in the afternoon and same information was shared by a customer service I talked to. They still dont have the information from notary and I should call back the next day as they close. Im now waiting to call back tomorrow so the can release funds and transfer them to my account as I have requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
XXXX $ was transferred from my chimes account to someone XXXX XXXX. And chimes say they found no error some stole my money out of my chimes account on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kikoff Inc.
State: LA

Complaint narrative:
Inaccurate, Misleading, and Harmful Credit Reporting by Kikoff Possible FCRA Violations Complaint : Kikoff is reporting three separate derogatory tradelines on my credit reports that are inaccurate, duplicated, and inconsistent with the product I actually used. I enrolled in Kikoffs XXXX XXXX Account with a {$2500.00} credit line, a credit-building product that is not designed to report traditional negative statuses such as charge-offs or collections.

Despite this, Kikoff is reporting the following : Charge-Off, Collection, Profit & Loss Write-Off, and other derogatory statuses Multiple inconsistent Date Opened, Date of Last Activity, and Date Reported fields Duplicate tradelines with the same balance Incorrect past-due amounts and conflicting high balances Accounts listed as Charge Accounts with derogatory codes not consistent with the structure of Kikoffs Premium plan This reporting appears to violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably expected to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to update and correct inaccurate information FCRA 623 ( a ) ( 5 ) Incorrect reporting of Date of First Delinquency Regulation V ( 12 CFR Part 1022 ) Furnisher accuracy and integrity requirements These inaccurate derogatory marks have harmed my credit score and do not reflect the nature of Kikoffs credit-building product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I completed two balance transfers through Bank of Americas mobile app.

These transfers had always been offered to me as 0 % promotional Direct Deposit/Check Cash Advance loans with a 4 % fee, which I had used many times in previous years without any issues. However, after completing the two XX/XX/XXXX transfers, Bank of America began charging me over {$5000.00} in interest, claiming the transactions were non-promotional. I repeatedly asked the bank between XX/XX/XXXX and XX/XX/XXXX to provide any proof that I accepted a non-promotional rate such as the disclosure screen, the terms presented to me, agreement, receipt, or any record of what APR I was shown when I submitted the transfers. The bank has not provided any documentation. 

In XX/XX/XXXX, I filed a complaint with CFPB. Bank of America responded in XX/XX/XXXX, but again did not provide the required evidence. Their response only contained internal statements and billing summaries, not the disclosure documents required under federal law ( Truth in Lending Act ). 

I submitted additional information in XX/XX/XXXX showing that the bank has repeatedly sent me written 0 % APR promotional solicitations, consistent with how these transfers had always worked for me in past years. Bank of America still has not explained why the XX/XX/XXXX transactions were treated differently or produced any proof that I accepted different terms.

Without documentation showing that I knowingly agreed to a non-promotional APR, the interest charges are not justified. I am requesting CFPB to require Bank of America to produce the missing disclosures, or to rule that the interest must be refunded because the bank can not meet its legal burden of proof.

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 2025-12-04 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: WA

Complaint narrative:
I am submitting this second-round dispute letter because the inaccuracies on my Experian, Equifax and TransUnion credit report continue to persist despite my previous dispute and the ample time provided for your reinvestigation. I am extremely frustrated to find that Experian, Equifax and TransUnion has allowed several accounts to remain unchanged even though the information being reported is inconsistent, incomplete, or not properly verified by the furnishers. At this point, the ongoing reporting issues directly violate my rights under the Fair Credit Reporting Act, particularly the duty to ensure maximum possible accuracy under 607 ( b ) and the obligation under 611 to conduct a reasonable reinvestigation. I am making it very clear that I expect Experian, Equifax and TransUnion to correct and update all inaccurate information and remove any unverifiable data immediately. 
XXXX XXXX XXXX * Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX ECU XXXX * * * * Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$30000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: WA

Complaint narrative:
I am submitting this second-round dispute letter because the inaccuracies on my Experian, Equifax and TransUnion credit report continue to persist despite my previous dispute and the ample time provided for your reinvestigation. I am extremely frustrated to find that Experian, Equifax and TransUnion has allowed several accounts to remain unchanged even though the information being reported is inconsistent, incomplete, or not properly verified by the furnishers. At this point, the ongoing reporting issues directly violate my rights under the Fair Credit Reporting Act, particularly the duty to ensure maximum possible accuracy under 607 ( b ) and the obligation under 611 to conduct a reasonable reinvestigation. I am making it very clear that I expect Experian, Equifax and TransUnion to correct and update all inaccurate information and remove any unverifiable data immediately. 
XXXX XXXX XXXX * Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX ECU XXXX * * * * Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$30000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$41000.00}

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a new 2nd credit card in American Express, knowing it would be added to my existing account online, only to find out it was in a separate account, which led me to miss payments and hurt my credit score. XXXX and XXXX, the supervisor in the chat room, didn't help waive my late fees, which were charged. I have had my old account open since XXXX  and never missed a payment.

I had no idea I had two existing online accounts and unintentionally missed payments on the 2nd account. I have the means to pay off the account. In fact, I have an existing HYSA to prove my capacity to pay the balance of approximately {$200.00}.
I only ask that the late fees be waived since the new account was not added to the existing account by American Express from the start. This is unethical, and I have never had this issue at my other eight banks.

Usually, if you open a 2nd credit card from the same bank, it will be added automatically to the existing online account for easy access and visibility. AMEX intentionally lures people into creating a new account with its confusing online options. They call this flexibility, but I call it XXXX. 

If I have three accounts with one company ( AMEX ), it doesn't make sense for American Express not to consolidate all three accounts into one online account, since they manage their website.

Three credit cards in 3 wallets doesn't make any sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding Denefits LLC. I originally signed up for a credit repair service that used Denefits as their billing platform. After reviewing the service, I decided I did not want to continue and requested to cancel the agreement. Despite my cancellation request, Denefits refused to cancel the contract and continued to attempt to charge me.

I never received any loan proceeds, credit, financing, or money from Denefits. Denefits is not a financial lender, yet they are trying to treat this as if I owe a debt or loan. I have repeatedly asked them to provide proof that they issued me any type of loan or credit that would justify these charges. They have refused to provide any proof of this {$2700.00} Debt After I declined to continue the service, Denefits began sending me repeated emails, voice messages, and notices threatening to send my case to their legal department. They continued to attempt to charge my account even though I canceled.

Denefits has now reported negative information on my credit report related to this disputed, unverified, and unauthorized debt. This is damaging my credit, and I believe the reporting is illegal and improper because : I never received any loan or credit from them No debt has been validated They ignored my cancellation request They continue to use harassment and threats I believe Denefits is improperly acting as a debt collector and furnishing inaccurate information to the credit bureaus. I am requesting that the CFPB review this matter and require Denefits to : 1. Provide full validation of any alleged debt ( including proof of a real loan or financing agreement in my name and proof that I received funds ). 2. Remove all negative credit repo
rting related to this dispute from all credit bureaus.

3. Cease all collection attempts and communications regarding this alleged balance.

4. Acknowledge my cancellation request and close the account with a {$0.00} balance. 

I am attaching any available documentation showing my cancellation request, the ongoing charges, their messages, and copies of my credit report showing the negative entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NE

Complaint narrative:
Account XXXX XXXX # XXXX I am not aware of this debt and did not get the opportunity to dispute this. If you believe you sent proper notification, please send proof from certified mail receipts with my signature. If not please delete this account # XXXX from my report or I will have to take legal action.

Company response to consumer: Closed with explanation