vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Experian for a Possible Financial account. The account status has repeatedly changed between charged-off and collection, which has caused repeated derogatory updates to appear on my credit report. 

There have been no new delinquencies or payments on this account that would support these repeated negative status changes. Because no new activity has occurred, these status updates generate new negative remarks despite no qualifying event. 

I previously disputed this account with Experian. In my initial dispute, I raised concerns about the dates and apparent re-aging of the account, including the following language : XXXX is inaccurate and the account has been re-aged. First delinquency was XX/XX/XXXX with charge-off XX/XX/XXXX, but fall-off shows XX/XX/XXXX. Status changed CO, collection, CO again. Please verify XXXX or delete. 

Experian responded to that dispute stating : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute.

Experian did not explain what activity or event supports the repeated charge-off and collection status changes, nor did they provide any method of verification or dates supporting these derogatory updates.

After Experians response, I realized that the core issue is not the fall-off date itself, but that the account status continues to cycle between charge-off and collection without any new delinquency or payment, which creates repeated negative remarks on my report.

I am requesting that Experian be required to identify the specific activity date relied upon for these repeated derogatory status updates, or delete the account if this reporting can not be substantiated.

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 2025-12-14 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: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am in the process of refinancing my auto loan from Truist Bank to XXXX XXXX XXXX XXXX with the balance of {$26000.00} being transferred over to XXXX XXXX. I was told by a Truist bank representative to mail the payoff check to the address of : Truist XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX I was instructed that it will be posted to my account shortly after delivery of the check and I will be sent over the title of my car afterwards. 

I received the 1st check from XXXX XXXX and mailed it off on XX/XX/year>, and after waiting a week I called and was told it would take up to 10 days to process and after the 10 days I could file a lost check report, but no sooner than 10 days. So I wait until 2 weeks has past since the original send date. I was still waiting for the check to be accepted so called and was informed that they did not receive the check and that there was nothing they could do since they never got it.

I asked if there was anything I could do and they told me I could only cancel out the original check I sent and send another one. So I went back to XXXX XXXX, got another check, sent it to the same Truist XXXX. XXXX  that they told me to send it to, but this time got tracked shipping, and sent it. 

I sent the second check on XX/XX/XXXX, the check was delivered XX/XX/XXXX ( tracking number : XXXX ) and it is now XX/XX/XXXX with no updates or posting of the money to the account. 

I am now 2 months behind on payments on a loan Im trying my hardest to pay off but I am offered no help other than to hope and wait that the check is posted even though its my second attempt at paying it off. I can not go into a branch office due to me living in a state with no branches in even driving distance.

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 2025-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business Processing Solutions, LLC
State: CA

Complaint narrative:
Someone stole my identity and used my information to purchase a vehicle that does not belong to me. PAM has been sending me collection letters for toll charges related to that vehicle. I first notified PAM in writing in XXXX that the vehicle was not mine. Since then, I have sent a total of four written dispute letterseach time providing the same explanation and including California XXXX documentation proving that the vehicle is not registered to me. My most recent certified letter was sent in XX/XX/XXXX. Despite receiving all four dispute letters and clear proof of identity theft, PAM continues to send me collection notices and has never responded to any of my disputes. They are attempting to collect a debt I do not owe and refusing to stop collection activity.

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 2025-12-14 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: Klarna AB
State: CA

Complaint narrative:
I used Klarna to pay for a hotel reservation at XXXX XXXX XXXX XXXX booked through a third-party XXXX XXXX XXXX XXXX for a two-night stay from XX/XX/year> to XX/XX/year>. The total amount owed is {$370.00}. On XX/XX/year>, I paid the first of XXXX Klarna payments in the amount of {$94.00}. On XX/XX/year>, I paused further payments while a dispute was under review. 

I did not stay for the full two nights because the hotel room was in poor condition and contained visible black mold, which raised health concerns. Due to these conditions, I did not complete the stay. XXXX  is denying a refund ; however, the hotel agreed to the refund and provided an official folio showing the charges were transferred to the XXXX  accounts receivable with a XXXX balance due, indicating the hotel does not consider me responsible for payment. The hotel also issued a partial refund of the resort fee. 

Despite this documentation, Klarna denied my dispute and stated they can not assist, while continuing to hold me responsible for payment. I am requesting a fair review and reversal of the disputed charge based on the hotels billing records, refund approval, and the fact that the stay was not completed due to health-related conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Subject : Improper Collection Activity, Fraudulent Certification, Invalid Documentation, and Violations of Federal Law I. INTRODUCTION This complaint is filed pursuant to the Consumer Financial Protection Act. Respondent is attempting to collect on an alleged 1985 student loan whose underlying documentation is illegible, incomplete, fraudulently certified, missing pages, improperly notarized, and unenforceable. Respondent continues collection after a dispute, in violation of federal law.

II. FACTUAL BACKGROUND 1. Origin of alleged loan ( XXXX ) : I did not complete the first semester and did not graduate. 
2. Fraudulent certification ( XXXX ) : Ohio XXXX XXXX XXXX falsely certified that I graduated, triggering improper federal guarantee and reinsurance payments. 
3. IRS Offset Certifications ( XXXX ) : Respondent claims ongoing certifications despite fraudulent foundation.

4. Recent billing activity ( XXXX ) : Respondent sent payment demands, including double-payment requests, even after debt validation was requested.

III. DOCUMENT DEFECTS A. Illegible promissory noteblurred, smudged, unreadable.

B. Missing front pageviolates TILA ( 15 U.S.C. 1601 ) and 34 CFR 682.205.

C. Illegible lender codeprevents verification ( 34 CFR 682.414 ).

D. Defective notary acknowledgmentno seal, unreadable commission ; violates ORC Chapter 147.

E. No original noteviolates UCC 3-309 and ORC 1303.38.

IV. IDENTITY & PROBATE DEFECTS A. Social Security Number illegibleviolates UCC 3-308.

B. Deceased co-signers estate never notifiedviolates 34 CFR 682.404 and Ohio probate law.

V. CHAIN OF TITLE DEFECTS A. Ten-year assignment gap ( XXXX ). 
B. Multiple collectors with no continuous ownership.

Violates UCC 3-203.

VI. FDCPA VIOLATIONS A. Demand for payment before validationviolates 1692g.

B. Continued collection during disputeviolates 1692g ( b ).

C. Misrepresentation of legal statusviolates 1692e.

VII. DUE PROCESS VIOLATIONS No notice, no hearing opportunity, no serviceviolates 14th Amendment and Ohio Civil Rule 4.1.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On or about XX/XX/year>, a debt collection account was opened by Transworld Systems related to an alleged debt originally owed to XXXX. The account reflects an open balance of {$1700.00} and was last reported on XX/XX/year>. 
After becoming aware of this collection, I sent a written debt validation request to Transworld Systems in accordance with the Fair Debt Collection Practices Act ( FDCPA ), requesting verification of the debt, including documentation showing the amount is accurate, that the debt is legally owed, and that Transworld Systems has the authority to collect it. 
Despite this request, Transworld Systems did not provide proper validation of the alleged debt. No documentation has been supplied that substantiates the debt or the companys right to collect it. 
While failing to validate the debt, Transworld Systems has continued to report the collection account to consumer reporting agencies, which is causing ongoing harm to my credit profile.

Continuing collection activity and credit reporting without providing proper validation is improper and inconsistent with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-14 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:
I am submitting this complaint to dispute inaccurate and unlawfully reported information on my consumer credit report. The items listed below continue to be reported without proper verification or authorization, in violation of federal consumer protection laws. This inaccurate reporting has caused harm to my credit standing. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge-Off I have no knowledge of this account, nor do I recall ever authorizing, opening, or agreeing to any contract with this creditor. TransUnion has failed to provide competent evidence that this account belongs to me. Reporting a charge-off account without proper verification is a direct violation of federal law.

FCRA 609 ( a ) ( 1 ) I am entitled to complete disclosure of the original contract and documentation proving this account is mine.

FCRA 611 ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation of disputed information.

FCRA 611 ( a ) ( 5 ) ( A ) Mandates deletion of information that can not be verified.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing information that is inaccurate or unverifiable.

Required Action : Immediate deletion of this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Status : Collection I have no knowledge of this alleged collection account and have never received proper validation or notice proving this debt belongs to me. Reporting a medical or collection account without verified authorization and documentation is unlawful and harmful.

FCRA 609 ( a ) ( 1 ) Failure to provide original creditor documentation and proof of liability.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a lawful reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) Unverifiable collection accounts must be deleted.

FCRA 623 ( a ) ( 2 ) Requires correction or deletion of inaccurate information once disputed.

Required Action : Immediate deletion of this collection account.

I request CFPB assistance to ensure immediate correction and deletion of the above inaccurate items in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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:
Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: PA

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information appearing on my credit file. The addresses listed below do not belong to me, and I have no knowledge of them. Their continued reporting is misleading and violates my rights under federal law. 

Address XXXX XXXX, XXXX XXXX, NV XXXX This address is not mine, and I have no knowledge of this address. Reporting an address that does not belong to me indicates a failure to maintain maximum possible accuracy as required by FCRA 609 ( a ) and 607 ( b ). Since this address can not be verified as belonging to me, it must be deleted immediately from my credit file. 

XXXX XXXX XXXX  Account # XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$0.00} Status : Charge-Off I have no knowledge of this account, nor do I recognize or recall ever entering into any agreement related to it. This account has not been properly validated and continues to be reported as a charge-off without lawful verification. Reporting an account without proof of ownership, contract, or complete payment history violates FCRA 609 ( a ) and 611 ( a ).

Additionally, continuing to report this account without full and proper investigation after multiple disputes is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). If TransUnion can not obtain documented verification directly from the furnisher, this account must be deleted immediately, as unverified charge-off reporting is not permissible under federal law. 

I am requesting immediate investigation and permanent deletion of the inaccurate addresses listed above, with written confirmation once corrected.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC. This account has not been properly validated and is inaccurately reported.

LVNV Funding has not provided proof of ownership, a bill of sale, chain of assignment, or a signed agreement demonstrating that I owe this debt. The amount reported has not been itemized or substantiated.

Reporting a debt without the ability to verify its accuracy violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I request immediate deletion of this account from all credit bureaus or complete validation with legally sufficient documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: 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 non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
In XXXX a statement balance payment was returned to my account due to funds not being available. The amount due was XXXX. 

I was charged {$260.00} in interest and a {$29.00} return payment fee. I paid {$5200.00} on XX/XX/XXXX and {$4000.00} on XX/XX/XXXX. To catch the account up and satisfy the balance. 

I paid the full balance for my XXXX statement on time and then was charged {$180.00} in interest anyway. 

Robinhood Credit Card is saying that I didnt ever make up the payment and therefore they can charge me residual interest of {$180.00} on my XXXX statement. I reached out and asked for clarification and they have provided several reasons why I am wrong but every agent has given me a different answer and has refused to refund the second interest charge. 

I followed and paid what their app told me was my statement balance which one would reasonably assume means the amount needed to avoid interest. This seems predatory.

Company response to consumer: Closed with explanation