vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MD

Complaint narrative:
XXXX  is reporting my Kikoff Lending LLC account inaccurately and inconsistently compared to the other major credit bureaus. 

XXXX  shows the account as Closed with severe derogatory history ( XXXX days late ). 

XXXX  shows the same account as XXXX / XXXX or Paying as Agreed. 

XXXX  shows the same account as XXXX/ XXXX  Account as Agreed. 

This discrepancy violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 

I previously disputed this account with XXXX and also contacted the furnisher, but the reporting has not been corrected. Because of XXXX inaccurate reporting, my creditworthiness is being harmed, and it is directly affecting my ability to qualify for a mortgage. 

Requested Resolution : I am requesting that XXXX either : 1. Correct the Kikoff account so that it reflects consistent and accurate reporting across all credit bureaus, OR 2. Delete the Kikoff account from my XXXX  file if accurate verification can not be provided. 

I am attaching copies of my XXXX XXXX XXXX XXXX  reports to demonstrate the inconsistency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion for reckless mishandling of my credit file and violations of the Fair Credit Reporting Act ( FCRA ). 

On multiple occasions, I have disputed a collection account reported by XXXX XXXX ( XXXX ). In a prior CFPB complaint in XX/XX/XXXX ( Case No. XXXX ), XXXX provided only an invoice as verification. No signed lease agreement, judgment, or contract was ever produced. Despite this, TransUnion continues to accept the same inadequate documentation as verification today. 

Even more troubling, on XX/XX/XXXX, TransUnion added the following false statement to my credit file after the XXXX XXXX account was closed on XX/XX/XXXX : As of XX/XX/XXXX, you informed us that even though your previously closed XXXX XXXX was reopened, this information was accurate and should be listed on your credit report. 

This is categorically false. I have consistently disputed this account as not mine. It is impossible for a consumer dispute to be converted into an admission of accuracy. TransUnions own records, including my prior disputes, prove that I never confirmed this account as accurate.

This conduct violates the FCRA in several ways : 15 U.S.C. 1681e ( b ) ( 607 ( b ) ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( 611 ( a ) ( 1 ) ) Failure to conduct a reasonable reinvestigation. Accepting an invoice as proof is inadequate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( 611 ( a ) ( 5 ) ( A ) ) Duty to delete unverifiable information. Without a signed lease, contract, or judgment, the debt is unverifiable.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( 611 ( a ) ( 5 ) ( B ) ) Unlawful reinsertion without proper certification and consumer notice.

15 U.S.C. 1681i ( c ) By adding a false notation that I confirmed the debts accuracy, TransUnion furnished information it knew ( or should have known ) to be false.

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 2025-09-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -Balance {$2200.00} -Date Opened XX/XX/XXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$9600.00} -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened XX/XX/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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Starting XX/XX/XXXX I was put in predicament to be homeless because of my bank. I signed a lease earlier in the week and as Friday approached all I knew all that was required for move was my down deposit along with the first months rent. This totals up to {$1500.00}. I woke up early that morning at XXXX preparing to bring the security deposit in exchange of my keys. This is when the disaster started. I went to XXXX  as early as XXXX. I attempted the purchases but my bank. XXXX XXXX  blocks the transaction. I call customer service to release the block. They tell me is was system automated and it's nothing they can do. Here we are two days later. XXXXXXXX XXXX unpaid. Im kicked out living on the streets. All ive been trying to do for two days is send my security deposit to my landlord. XXXX  has literally declined the same transaction for 2 days. No matter how many times I call them and authorize the payment they wont allow it. I have been forced to sleep on the sidewalk and even in a shelter last night. Now here we are two days later. Funds still be held. No explanation given, And im XXXX near homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX -Balance {$3600.00} XXXXDate OpenedXXXX DEPTEDXXXX  # XXXX -Balance {$4700.00} -Date Opened XX/XX/XXXX USDOE/XXXX # XXXX -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$140.00} XXXX XXXX XXXX # XXXX -Balance {$1100.00} XXXXDate OpenedXXXX XXXX  # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
My federal student loans were settled and closed in XXXX of XXXX through XXXX via XXXX XXXX XXXX  service. As of today, XXXX XXXX, XXXX Mohela is still reporting one account open with a balance of over {$68000.00} to multiple credit reporting agencies. In reality, my account balances are {$0.00} and I have no open student loan accounts. I contacted Mohela and the XXXX. XXXX XXXX and after several months of waiting I received a response that they " reviewed my account '' and they need me to mail or fax them a request to review my account ( which they claim they already did ) and include a copy of my credit report ( which is none of their business ).

Company response to consumer: Untimely response
Consumer complaint received 2025-09-14 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: DE

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: OK

Complaint narrative:
TransUnion states previously that they deleted my XXXX XXXX XXXX XXXX account in the latest dispute. I checked today and they reported the account back on my file so they lied close this whole case out! I am not demanding TransUnion delete all negative charge offs off my credit report or I will be putting in a law suit!! 

Fair Credit Reporting Act ( FCRA ) : TransUnion must ensure the accuracy, completeness, and timeliness of all credit data it reports. Failure to investigate disputes within 30 days, re-reporting deleted items without certification, or refusing to correct confirmed errors may violate the FCRA ( 15 U.S.C. 1681i, 1681e ( b ), 1681c

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 2025-09-14 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$10000.00} XXXX XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$760.00} XXXX XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$1000.00} Inquiries in Question : XXXX XXXX XXXX Date 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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I had fraudulent activity on my cash app account.They determined after eleven days that I was deserving of having the money credited back to my account!! They put the full {$3300.00} into the XXXX XXXX account then when I tried to withdraw to deposit into my checking account, it red flagged me and locked me out of my account.Now they're telling me that again.I have to start the process of a ten day.Wait all over again.I have been messaging them all day.Every day I need the money.Put back into my account and they use an a I.So there is no personal response.Whatsoever, they just keep starting me over and over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 TX XXXX XXXX EMPLOYER - XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NY

Complaint narrative:
I am filing this complaint against XXXX for inaccurate credit reporting. 

In early XXXX, XXXX transitioned to a new loan-servicing platform. Prior to this change, my student loans were enrolled in autopay and all payments were made on time. 

After the transition, I attempted to reenroll in autopay at least XXXX times. Despite receiving confirmations, XXXX  system repeatedly failed to debit my account as scheduled. I was forced to make manual payments to keep my account current. 

Most recently, although I was again enrolled in autopay and had more than sufficient funds in my account, XXXX failed to process my payment. This error was compounded by a family medical emergency and job change. I corrected the issue with a manual payment, but XXXX nonetheless reported a XXXX delinquency to Experian and potentially other credit bureaus. 

This delinquency is invalid. It resulted from XXXX  servicing failuresnot borrower neglect. Reporting this delinquency constitutes inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

I am attaching the my correspondence to XXXX requesting resolution of this issue, which includes enclosed documentation my repeated autopay enrollment attempts.

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 2025-09-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I wanted items removed from my credit report of XXXX  and old addresses and names associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these item below. 

XXXX XXXX XXXX XXXX Balance {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account was settled in XXXX of XXXX. However, it still shows up on my credit report with a balance and that it is somehow sent to collections. I have disputed this account on my credit report, and have it has not been removed. Additionally, I have not received a reason why this is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
XXXX XXXX from XXXX ( south Dakota ) says i owe them {$120.00} and says i owe them money as of XX/XX/year>. i never had this credit card, orthis dept does not belong to me. I never had an XXXX XXXX  XXXX  that i know of. the credit coming after is Credit Control LLC. this is also it first time i ever received a sill from a collection agency If this tis my bill let me know, Im pretty sure this is not my bill ; Thank you

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I hired XXXX XXXX XXXX to draw plans for a Garage conversion and XXXX XXXX to get permit from the Building and Safety to start construction. I made a contract on XX/XX/year> and paid XXXX by my Synchrony Bank XXXX XXXX Credit card to XXXX XXXX XXXX same day. 
The contract clearly specifies that blueprints, permits, and engineering, calculations With city stamps will be delivered " ready for construction ''. This never occurred, leaving me with incomplete and unusable Documentation. XXXX XXXX XXXX has clearly failed to deliver as agreed. 

I disputed several times to the Synchrony Bank but Bank denied my disputes.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited my tax return check to Bank of America in XXXX XXXX, Va on XX/XX/XXXX. They initially stated that my funds would be released on Tuesday the XXXX. After checking my account it stated that it was going to be on hold again until the XXXX at XXXX. I check it on XX/XX/XXXX and the message was gone and it just has pending debit/hold XX/XX/XXXX. With no other information. Saturday XX/XX/XXXX came and at XXXX I check no deposit. So I wait a little while longer and I call Bank of America. They state that its on hold again until the XXXX. I never received any communication and their lack of explanation is beyond me.

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