vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize these accounts and believe they were created fraudulently. I request their immediate removal and a proper investigation. Evidence is enclosed.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable credit report. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, they should be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 2025-11-04 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-11-04 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: IL

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Charged-Off Accounts XXXX XXXX Account # XXXX, XX/XX/XXXX, {$900.00} XXXX Account XXXX XXXX, XX/XX/XXXX, {$1300.00} XXXX Account # XXXX, XX/XX/XXXX, {$0.00} These accounts appear to be duplicates or unverifiable. I have not received any documentation validating these balances or confirming that they belong to me. 

Disputed Inquiry XXXX, XX/XX/XXXX I do not recall authorizing this inquiry. Please verify authorization or remove it. 

Late Payments 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 XXXXXXXX I am requesting verification of these late payments. If proper proof can not be provided, I request that Experian remove or correct these negative marks.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
This complaint concerns Discover Bank 's decision to violate the binding arbitration clause in its own Cardholder Agreement and its responsibility for the unlawful collection tactics of its appointed law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

Discover chose to ignore the arbitration clause designed to resolve disputes fairly and instead filed a lawsuit against me in court. This lawsuit resulted in a default judgment, which I believe was obtained because I was never properly served with the legal papers, a failure known as " sewer service. '' This deprived me of any opportunity to defend myself or to demand arbitration as our contract stipulated. 

The law firm Discover hired to enforce this invalid judgment has engaged in deceptive and threatening conduct. They have inflated the original {$3400.00} debt to {$4400.00} without validation and threatened to garnish my bank account. Critically, after setting a specific payment plan requiring a XXXX  XXXX upfront payment, I attempted to log into their portal to pay, but the option was XXXX. This " bait-and-switch '' tactic appears designed to create a false justification for the severe action of garnishment. 

Discover is legally responsible for the actions of the collection firm it hired and empowered. Discover 's initial choice to circumvent its own arbitration agreement set this deceptive and unlawful process in motion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: MI

Complaint narrative:
In XX/XX/year> I entered a loan agreement with Climb Credit serviced by XXXX. I have yet to complete this program and have been informed and have documentation stating that the school has closed down and I am no longer receiving services that have been payed for. This was the lastest response from Climb Credit Senior member XXXX XXXX : " Hello, With Climb directly, you reserve the right to cancel the loan at any time prior to the start date listed on the application or within XXXX business days of signing the loan documents, whichever is later. 

After this timeframe, we adhere to your school 's cancellation policy. We recommend reaching out to your school 's financial aid office to obtain information about their specific cancellation policy. They will be able to provide you with the necessary details and guide you through the cancellation process. 

If there is a need for a tuition adjustment, your school must submit a request to Climb. To initiate any necessary actions regarding your loan, it is essential that the school submits the request to Climb. 

Per our records, based on the origination and closure dates, you completed your program before the school 's closure and therefore would not be due a refund unless the school provided one. Based on those dates, Climb must follow XXXX ' refund instructions, and can not initiate a refund without XXXX ' confirmation and XXXX refunding the tuition funds that Climb paid to XXXX on your behalf when the loan was originated. 

We understand the issues Devslopes ' closure has caused. XXXX has also breached its contractual agreement with Climb, and Climb is pursuing legal recourse against XXXX. 
Best, Climb Credit " You will also find enclosed screenshots of my progress in the curriculum with a dated stamp. 

Climb has instructed me to reach out to XXXX, but the XXXX email is no longer in service making it impossible to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXXFree background check. \XXXX XXXX. \nEmail Tracer.\nNdb.\nSearch USA people. \nAffordable background checks. \nGov warrant search. \nInfotracer.\nGovernment registry US records. \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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica
State: IL

Complaint narrative:
Urgent Complaint Locked Account and ID Verification Delay Im writing to file a complaint regarding my Direct Express card account. My account has been locked for an extended period due to ID verification issues, and despite multiple attempts to contact customer service, I have not received any clear updates or resolution.

Because of this delay, Ive been unable to access my funds, which has caused serious problems Ive missed bill payments and other personal responsibilities that depend on my benefits. Ive called several times and spoken with different agents and supervisors, but no one has provided a solution or timeline.

Im requesting that my case be reviewed immediately and that someone from the verification or management team contact me to resolve this issue as soon as possible. 

Please confirm that this complaint has been received and provide an update on the next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable credit report. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, they should be removed from my 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 2025-11-04 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hi, to whom it may concern Apple Card dispute cases Dispute case number : XXXX Dispute case number : XXXX Dispute case number : XXXX Customer : XXXX XXXX Banks : Apple Card ( Goldman Sachs / XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Total Amount : {$19000.00} {$16000.00} for mobile app ( never delivered complete product and no source coding or testing provided ) {$3000.00} for XXXXal marketing ( delivered with poor quality and not as described ) Dispute Type : Services Not Rendered Summary In XX/XX/year>, I hired XXXX XXXX for a mobile app development project, estimated to be completed within 34 months. Despite full payment of {$19000.00}, the company failed to deliver a final or functional product after more than XXXX months of delay. 

The merchant admitted to a server breakdown and loss of project code, repeatedly missed deadlines, and never provided a completed or testable version of the app. 

Both Apple Card ( Goldman Sachs ) and XXXX XXXX denied my disputes, which is unfair and inconsistent with the evidence showing clear nonperformance and breach of contract. 

Request I respectfully request that these disputes be reopened or escalated to Visa and XXXX XXXX XXXX under the Services Not Rendered category ( XXXX XXXX XXXX / XXXX XXXX XXXX ). 

The merchant did not fulfill its contractual obligations, and I seek a full refund of {$19000.00} for the undelivered project. Alternatively at least refund {$16000.00} for the refund for the absolutely undeliverable and unworkable mobile app. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I am writing to respectfully request a review of the late payment ( s ) reported on my account. These occurred while I was incarcerated a situation that caused a temporary but significant hardship. I have since resumed regular payments and am doing everything I can to maintain a positive financial record.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX continues to report incorrectly. They provided documentation showing the bought bulk debt AFTER they reported ownership on credit reports They reported the original amount as one debt, a litte ober {$1800.00}, but show a lesser amount {$1700.00} owed as if a payment was made and failed to explain this. 

The statements they provoded in their own shows the debt as {$1200.00}. XXXX they claom XXXX report XXXX. They have yet to provide an answer in the {$50.00} difference. They offered a hardship letter and I returned it but haven't heard anything else bit have sent the same XXXX  paperwork twice more to be completed. They are stalling! I am XXXX XXXX XXXXXXXX and nothing to do in life but keep making this complaint until they remove the collection from all 3 CRA. All of my income are exempt from collection or judgements and I just want it removed.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Equifax, a mistake was made when filing another complaint and dispute. Please see attached complaint for all credit bureaus. For some reason it was sent to my email address for Equifax. I believe all three bureaus are using the shams method to verify information. As we know it's illegal to report inaccurate information or fraudulent information on my credit report. Please see attached below. Equifax is included in the complaint. Please remove all inaccurate information. It's against the FCRA law. See attached!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: HI

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: HI

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
I, XXXX 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 non-monetary relief