vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
KIKOFF/XXXX XXXXXXXX XX/XX/year> I am filing a complaint regarding an account with Kikoff/XXXX  in the amount of {$130.00}. I am not entirely sure how this balance originated or why it continues to be reported. I have made multiple attempts to close this account and resolve any outstanding issues directly with Kikoff, but to no avail. Each time I TRY TO contact them, I am either redirected to another department or told that my request has been submitted, yet the account remains open and continues to impact my credit report. 

There is a possibility that there was an error in processing my closure request, or perhaps there are charges I am unaware of. However, I have not received clear documentation explaining the balance or why the account has not been closed as requested. 

I am concerned about the continued negative impact this account is having on my credit profile and financial standing, especially since I have been trying to resolve it and am uncertain of its full validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: AR

Complaint narrative:
The original creditor was XXXXXXXX XXXX XXXX XXXX. They had the loan from XXXXXXXX XXXX XXXX. They are continually stating to me that it was closed on XX/XX/XXXX. They have sent me a letter to give to Nelnet who advised me today it is irrelevant. I had previously provided a letter from the department of education stating the same thing. Neither the original loan originator, XXXXXXXX XXXX XXXX XXXX or the department of education can understand why this is on my credit report with negative derogatory results XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It was also further reported over 120 days late in XX/XX/XXXX but was showing current the 4 months prior on my credit report. Neither the 4 months prior or the XXXX, XXXX derogatory remarks showed on my credit report until XXXX of XXXX. Were the loans overdue by 120 plus days in XXXX, the prior 180 plus days would not show current. I am hearing from the department of education loan management department, the department of education debt resolution group, the department of education credit systems as well as the XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX supervisor that these all should have been reported to the XXXX XXXX XXXX  database in XXXX as paid in full and all the credit agencies should have been contacted then according to XXXX a supervisor at the department of education m The originator, the XXXX XXXX XXXX XXXX has also stated as of XXXX they should have been paid in full and reported to the credit card companies. That was their error. However, they are unable to fix it at this time because it was given to a new loan originator even with no loan in a XXXX balance in XXXX of XXXX. Otherwise, the supervisor at the XXXX XXXX XXXX XXXX was going to delete off the national student loan database immediately these five derogatory months XXXX through XX/XX/XXXX. She stated the information would be clearly available to Nelnet too. Nelnet is saying it is not. The department of education is saying this information should be available to Nelnet too. Nelnet are stating it is not. Again, both the originating lender and the department of education are all as confounded as I am that this is still on my credit report. The error was with XXXX XXXX XXXX XXXX and they are willing to fix it. However, they are not able to on the national student loan database because it wrongly went to Nelnet in XXXX. And again, the department of education and the XXXX XXXXXXXX XXXX XXXX department who are federal, or governmental agencies, that it should not be on my credit report. Numerous evidence and documentation has been provided to Nelnet which they willfully and purposely refuse to consider. The only thing Nelnet will offer is me to contact a credit repair company. That is not needed. My credit is perfect except for {$27000.00} of student loans. That should have been taken off exactly 25 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-07-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
we filed a previous complaint against Venmo with regards to a purchase we made on our card. We never received the product. They were supposed to issue a refund and we received the call. One of their Legal Dept saying they were going to issue the refund which then close the complaint previously however they never issued the refund was just another scam by Venmo or in this case PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Collections Reported by XXXX Dear CFPB, I am writing to formally dispute the collection account reported by XXXX on my credit report. This account, which I allegedly owe, is erroneous and in violation of several consumer protection laws, including but not limited to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ). 

Specifically, XXXX has failed to provide the necessary disclosures required by law before furnishing any account information to consumer reporting agencies. This omission is a clear violation of my rights under the stated regulations. 

Additionally, the collection agency has employed false, misleading, and deceptive practices in their attempts to collect this alleged debt, further violating XXXX XXXX XXXX. As such, I am disputing owing any and all debt to XXXX and hereby revoke all rights of communication with me through email, text, or calls. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough debt validation. To validate this debt, please provide the following : Verification of the alleged debt. 

The original contract or purchase agreement between XXXX and the original creditor. 

Proof that XXXX is licensed and bonded to collect debt in my state. 

Failure to provide these documents will result in the immediate cessation of any collection activities and the removal of this collection account from my credit report. 

I expect this matter to be investigated promptly and to be provided with a written response within 30 days. 

Thank you for your prompt attention to this serious matter. 

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 2025-07-02 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-02 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have multiple sends on my cash app tbh at o didnt do Ive filed disputes for all of them so far and havent heard back from cash app yet aside from they need to verify my identity which I already sent my ID to them. 

XX/XX/XXXX and XX/XX/XXXX Totaling XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Your Account : Number XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXXXXXX XXXX XXXX  resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oklahoma Student Loan Authority
State: AR

Complaint narrative:
The original creditor was Oklahoma student loan authority. They had the loan from XXXX to XXXX. They are continually stating to me that it was closed on XX/XX/XXXX. They have sent me a letter to give to XXXX who advised me today it is irrelevant. I had previously provided a letter from the department of education stating the same thing. Neither the original loan originator, Oklahoma student loan authority or the department of education can understand why this is on my credit report with negative derogatory results XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. It was also further reported over 120 days late in XX/XX/XXXX but was showing current the 4 months prior on my credit report. Neither the 4 months prior or the XXXX, XXXX derogatory remarks showed on my credit report until XXXX of XXXX. Were the loans overdue by 120 plus days in XXXX, the prior 180 plus days would not show current. I am hearing from the department of education XXXX XXXX department, the department of education XXXX XXXX XXXX, the department of education XXXX XXXX as well as the Oklahoma Student college assistance program compliance supervisor that these all should have been reported to the national student loan database in XXXX as paid in full and all the credit agencies should have been contacted then according to XXXX a supervisor at the department of education m The originator, the Oklahoma student loan authority has also stated as of XXXX they should have been paid in full and reported to the credit card companies. That was their error. However, they are unable to fix it at this time because it was given to a new loan originator even with no loan in a XXXX balance in XXXX of XXXX. Otherwise, the supervisor at the Oklahoma student loan authority was going to delete off the national student loan database immediately these five derogatory months XXXX through XX/XX/XXXX. She stated the information would be clearly available to XXXX too. XXXX is saying it is not. The department of education is saying this information should be available to XXXX too. XXXX are stating it is not. Again, both the originating lender and the department of education are all as confounded as I am that this is still on my credit report. The error was with Oklahoma student loan authority and they are willing to fix it. However, they are not able to on the national student loan database because it wrongly went to XXXX in XXXX. And again, the department of education and the Oklahoma State student loan department who are federal, or governmental agencies, that it should not be on my credit report. Numerous evidence and documentation has been provided to XXXX which they willfully and purposely refuse to consider. The only thing XXXX will offer is me to contact a credit repair company. That is not needed. My credit is perfect except for {$27000.00} of student loans. That should have been taken off exactly 25 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TransUnion continues to use names, aliases, and addresses that are not mine. I have sent this company an affidavit, my driver 's license, lease, passport, and social security card with each dispute, asking them to update my information since XXXX of this year, and they continue to use names and addresses that do not belong to me. I have also sent this company my FTC reports, police reports, and Transunion continues to fail to put a fraud alert on my credit report. I continue to dispute inaccurate information on my credit report, and they continue to verify the accuracy of the information. I have sent this company copies of my credit reports, including all three bureaus, and the inaccurate information on the reports. Still, they continue to report the damaging information as accurate, even though the other two bureaus are not reporting the same information.

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 2025-07-01 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: TX

Complaint narrative:
XXXX XXXX had been reporting to credit bureaus an account that does not belong to me. I have been a victim of identity theft!

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