vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: OK

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OK

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IN

Complaint narrative:
Companies name is kick off. Showing as a charge off on my credit report. So they obviously got the tax break. I never received a XXXX from them. Would that not be fraud Its been almost XXXX  years since charged off. Please delete off my account. Or forwarded to IRS for fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC
State: WI

Complaint narrative:
What happened : XXXX XXXX has reported three separate accounts on my credit reports, all of which contain inaccurate and inconsistent information across the three major credit bureaus ( XXXX, XXXX, and XXXX  ). Additionally, the account numbers are either incomplete or unverifiable, and these debts were already paid by my insurance provider. 

First Account : The partial account number begins with XXXX. 

XXXX  reports the account was opened on XX/XX/XXXX and charged off on XX/XX/XXXX. 

XXXX  lists the open date as XX/XX/XXXXXXXX  and charge-off on XX/XX/XXXX. 

XXXX  shows the open date as XX/XX/XXXXXXXX  and charge-off on XX/XX/XXXX. 

The discrepancies in dates across XXXX XXXX and the absence of a complete account number make this account unverifiable. Additionally, this bill was covered by my insurance. 

Second Account : The reported account number is XXXX, which is inaccurate. 

XXXX  states the account was opened on XX/XX/XXXX, while both XXXX  and XXXX list the open date as XX/XX/XXXX. 

The charge-off dates again differ : XXXX  reports XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

The last active date also varies significantly across bureaus, adding to the inaccuracy. Like the first account, this debt was also paid by insurance. 

Third Account : The listed account number is XXXX, which can not be verified and does not follow standard formatting. 

XXXX  reports the open date as XX/XX/XXXX, while XXXX  states XX/XX/XXXX. 

XXXX  has no record of this account. 

Charge-off dates are inconsistent as well : XXXX lists XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. 

The last active date differs between XXXX  ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXXXXXX  ). 

Again, this account was covered and paid by my insurance provider. 

All three accounts contain major reporting errors, inconsistencies, and unverifiable details. These inaccuracies have significantly damaged my credit profile. As a result, I was denied credit during a time of serious medical hardship, which prevented me from meeting important financial obligations. The false and negligent reporting has caused financial harm, loss of income, and emotional distress. I am preparing to pursue legal action through small claims court for defamation of character, lost wages, and inability to meet obligations due to credit denials based on inaccurate data. 

I respectfully request that the Consumer Financial Protection Bureau review this matter and take appropriate action to investigate and resolve these reporting discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XX/XX/year>, I disputed a {$100.00} unauthorized XXXX XXXX  transaction with Ally Bank, clearly stating I did not authorize it due to a lost device. Ally failed to investigate properly or provide provisional credit as required by law. Despite sending a second dispute in XXXX, I received no formal response. Instead, Ally closed my accounts, charged off the disputed amount, and demanded payment without explanation. Since then, my online access to account statements and transaction history has been blocked, preventing me from reviewing important documents. On XX/XX/XXXX, Ally sent only a vague email acknowledging my concerns but took no corrective action. I believe Allys actions violate federal consumer protections.

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 2025-07-14 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-14 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: FL

Complaint narrative:
Several accounts have been fraudulently opened in my name and appear on my credit report without my knowledge or authorization. 

I did not open these accounts and have no affiliation with the parties responsible. These fraudulent accounts have negatively impacted my credit and caused me significant distress. I am requesting an immediate investigation and the removal of all unauthorized accounts from my credit report. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2025-07-14 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: CO

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 
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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I enrolled in XXXXXXXX XXXX XXXX XXXX using a XXXX XXXX. My training was stopped in early XX/XX/XXXXXXXX   because the school claimed I had no available balance, even though my next disbursement was already scheduled and approved for XX/XX/XXXX. I emailed the finance manager questioning why other students in the same financial situation were allowed to continue, but I was not. No clear explanation was given. The delay in resuming training caused a loss of proficiency and disrupted my progress. I was later expelled by the school in XX/XX/XXXX, after I requested to be trained in an organized way with a clear training plan. I submitted an appeal to the school, but they rejected it with vague arguments. After that, I emailed XXXX requesting support and an investigation, but I never received a reply. Months later, XXXX began reporting late payments and negative marks on my credit report, even though they had received a refund from XXXX of over {$19000.00}. I now have over {$30000.00} in student loan debt for a training I was never allowed to complete. I believe I was unfairly treated and financially harmed by both the school and the lender.

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 2025-07-14 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-14 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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). The following items violate 15 USC 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ), 15 USC 1681s-2 ( duties of furnishers to provide accurate information ), and 15 USC 1681i ( 5 ) ( removal of inaccurate items ). I request immediate investigation and deletion of these items per 15 USC 1681i ( 5 ). Below are the disputed items, organized by category, with details and reasons for inaccuracy.

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 2025-07-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I found the problem I payed XXXX XXXX  some money to do n updat on my credit karma XXXX  account well they did everything wrong instead of update they put it for dispute n they closed it my score suffered a lot XXXX points in all XXXX XXXX its opened XXXX XXXX  that charged me XXXX dollars I think did everything quick n wrong! My account is still open wat do I do never wanted to closed just update info dates n charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I recently discovered fraudulent credit card accounts on my credit report that I did not open. The accounts details are : XXXX XXXX Acc- XXXX Balance- {$570.00} XXXX  Acc- XXXX Balance- {$1600.00} These fraudulent accounts were made without my knowledge or consent, and they are a result of identity theft. Under my rights through the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of this unauthorized account and all listed hard inquiries from my credit report. 

Please investigate this matter and confirm in writing once the fraudulent items have been removed. Let me know if you need any additional information from me. I appreciate your prompt attention to this issue.

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 2025-07-14 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: GA

Complaint narrative:
I recently discovered fraudulent credit card accounts on my credit report that I did not open. The accounts details are : XXXX XXXX Acc- XXXX Balance- {$570.00} XXXX  Acc- XXXX Balance- {$1600.00} These fraudulent accounts were made without my knowledge or consent, and they are a result of identity theft. Under my rights through the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of this unauthorized account and all listed hard inquiries from my credit report. 

Please investigate this matter and confirm in writing once the fraudulent items have been removed. Let me know if you need any additional information from me. I appreciate your prompt attention to this issue.

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 2025-07-14 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: GA

Complaint narrative:
I recently discovered fraudulent credit card accounts on my credit report that I did not open. The accounts details are : XXXX XXXX Acc- XXXX Balance- {$570.00} XXXX  Acc- XXXX Balance- {$1600.00} These fraudulent accounts were made without my knowledge or consent, and they are a result of identity theft. Under my rights through the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of this unauthorized account and all listed hard inquiries from my credit report. 

Please investigate this matter and confirm in writing once the fraudulent items have been removed. Let me know if you need any additional information from me. I appreciate your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Unauthorized Inquiries Dispute Request for Investigation and Removal Dear Experian, I am disputing multiple unauthorized inquiries appearing on my Experian credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) and 15 U.S.C. 1681i I am requesting an investigation and immediate removal of the following items : Unauthorized Inquiries on Experian : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If these can not be verified with my explicit authorization, I request that they be deleted promptly and a written confirmation be provided to me. 

Sincerely, 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 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial disabled my online payment account after only XXXX missed payment, despite me having no prior late payments or defaults. They did not notify me in advance or provide a way to make the final payment on my truck. Instead, they repossessed my pickup truck without allowing me to pay off the balance. This was unfair and caused me significant harm, as I was ready and willing to pay. Additionally, Ally 's actions made it impossible for me to access my account or settle the balance, resulting in them towing my truck without any opportunity for resolution. i have absolutley any evidence you need or want. screenshots videos phone calls whatever you want

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have contacted Citi Bank several times about not being able to add my card on XXXX wallet. They say they tried to fix it and to try to add it and it does not work. 
I also could not contact them, I was on hold for over an hour and never spoke to anybody about why my charge was not working at a location I was getting my semi truck I use for business repaired and could not pay for the repairs because they had declined my charge when the repair facility tried to charge my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I believe that I was fradulently sued by a collections agency allegedly on behalf of XXXX XXXX XXXX. The name of the debt collection agency is Roosen , Varchetti & Olivier , PLLC ( RVO ), a debt collection law firm that has been involved in lawsuits and faced allegations regarding its debt collection practices, including those related to interest charges. I have bee making payments to them and currently they say that I have a {$10000.00} balance remaining to pay off. each month, I pay them {$100.00}, yet my new balance constantly ends up higher than before or only shaves off a small portion of the payment onto the next new balance. Whenever I inquire of documentation or some logical explanation for endless charges, I am denied any explanation.

Company response to consumer: Closed with explanation