vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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 am a consumer attempting to repair my credit. I am filing this complaint regarding inaccurate and/or unverified information Experian is reporting on my credit file. Experian is required under the Fair Credit Reporting Act to ensure that all reported information is complete, accurate, and verified. 

Charged-Off Accounts Experian is reporting the following charged-off accounts, which I dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, balance {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, balance {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX, balance {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$0.00} XXXX Acct # XXXX XXXX opened XX/XX/XXXX, balance {$330.00} XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$630.00} I dispute the accuracy, ownership, balances, and charge-off status of these accounts. Experian has not provided documentation showing these accounts were properly verified. I request Experian conduct a lawful reinvestigation and remove or correct any information that can not be fully verified.

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Aidvantage failed to provide adequate notice that it was servicing my student loan and that the account was past due or at risk of default. I received no communication by mail or phone, and the only notice provided was an email that was routed to my spam folder and therefore not seen in time. I first learned of XXXXXXXX XXXX involvement after discovering a default reported on my credit report in late XXXX. On this same day, I immediately established my account and paid the balance owed. Because I was not given proper or timely notice, I was denied the opportunity to address the account before it went into default, resulting in unnecessary and harmful damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ CREDIT BUREAU ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account number, and a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number, originally associated with XXXX XXXX XXXX XXXX XXXX  XXXX 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-12-15 00:00:00
Product: Credit card — Store credit 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/year> Goldman Sachs and APPLE charged me {$370.00}. I traded in a XXXX XXXX XXXX XXXX and received {$370.00} instant trade in credit towards a XXXX XXXX XXXX XXXX. 

Apple notified me the trade in would not be accepted and offered me a {$0.00} trade in credit. I declined the offer and was charged {$370.00} to my Apple Card. Apple then emailed me the trade in would be accepted for the full amount of {$370.00} stating it was a mistake on their part. 

It has been over a week and neither Apple nor Goldman Sach has offered any solution to refunding me the {$370.00} that was charged to my account unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am writing to file a dispute regarding the following items listed on my credit report. Below are the details of the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$2300.00} Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 XXXXXX/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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Klover Holdings, Inc.
State: VA

Complaint narrative:
I took an advance from Klover. Their " system '' estimated my paydate even though I get paid on the XXXX and XXXX of every month. They took {$170.00} of the {$300.00} I borrowed on the XXXX of XXXX. I had other debits coming out so I made small deposits to cover those debits. Klover then took an additional {$20.00} and {$15.00} which was for other bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am writing to dispute several items on my credit report, as listed below, and request that these be reviewed and updated accordingly. I believe these entries contain inaccuracies and are impacting my creditworthiness. 



Charged Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries : Account Name : XXXX XXXX Date : XX/XX/XXXX Late Payments : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My federal student loans were transferred to a new servicer without adequate notice. I did not receive billing statements or due-date notifications and was unaware payments were required. As a result, the servicer reported me as delinquent for over 90 days on multiple loan accounts for XXXX and XXXX, causing severe credit damage. 
I have since brought all loans current and am enrolled in autopay. I had a long history of on-time payments prior to the transfer. I am requesting correction and removal of inaccurate late-payment reporting caused by lack of notice during the servicer transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: SC

Complaint narrative:
CREDIT CONTROL , LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL , LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX  ) submitted an official lienholder information request to XXXX for my vehicle so I could transfer my registration from Virginia to Florida. The DMV faxed the request directly to the correct XXXX Title Department fax number. I have a transmission confirmation showing the request was delivered successfully. 

After the fax was sent, I contacted XXXX several times. Each time I was told that it takes a while to process and that the request was still under review. Today, nearly one month later, XXXX informed me that they have no record of the request at all and instructed me to start the process over. This contradicts the documented fax confirmation and demonstrates that XXXX either lost, ignored, or failed to process a legally required state request. 

XXXX failure to process a properly delivered lienholder information request is causing direct harm and hardship. Because of this delay, I am unable to complete a mandatory vehicle registration transfer required by Florida law. I can not legally finalize registration, I risk citation or penalties, and I am being forced to repeatedly contact both the DMV and XXXX due to Toyotas lack of action. This has resulted in lost time, unnecessary administrative burden, and the inability to lawfully register and operate my vehicle in the state where I reside. 

XXXX refusal or failure to act is effectively withholding critical lienholder information against my will, despite a valid governmental request. Their inaction is obstructing a required state process and creating avoidable financial and legal exposure for me as a consumer. 

I am requesting that XXXX be required to immediately locate, process, and respond to the lienholder request so I can legally complete my vehicle registration without further delay or hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-15 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: TN

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit report. The accounts are being reported incorrectly by the credit reporting agencies and I am requesting an investigation and correction of the errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent in the payment to XXXX XXXX which is a collection company that LVNV FUNDING LLC contracted to collect the debt. I called XXXX XXXX and we agreed on a reduced amount but sent in the full amount that was owed. I put a complaint CFPB and they XXXX answered and closed the case. They responded that refund was initiated. I called them and they are like it is not up to use it is up to LVNV so why did they close the cases and stated what they did about the refund.

Company response to consumer: Closed with explanation