vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Devslopes & Climb Credit ) Subject : XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to Deliver Services To Whom It May Concern, I am writing to file a formal complaint regarding my enrollment in the Devslopes program and the associated financing through Climb Credit. The program I was financed for does not provide the services advertised, and therefore the financing agreement should not remain active. 

False Advertising by XXXX XXXX promotes structured, instructor-led training, mentorship, and real guidance throughout the learning process. After enrolling, it became clear that these claims are misleading and do not match the actual service provided. Specifically : 1. No real instruction is provided.

The program relies entirely on Discord channels instead of actual classes, teachers, or guided lessons.

2. No support or mentorship.

When help is requested, responses are either extremely delayed or completely nonexistent. No real feedback or instruction is given, despite being a major selling point of the program.

3. The platform does not deliver the educational value advertised.

Much of the content is extremely basic, incomplete, and not aligned with the professional training Devslopes advertises publicly.

Because of this, the service I was sold is not what was delivered, which is the definition of false advertising and failure to perform under the agreement.

Involvement of Climb Credit Climb Credit is financing a program that does not deliver what was promised. I am requesting that Climb Credit to be looked into as well as they work to closely with devslope coding boot camp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Please check this entry ; it was done late and could be wrong.

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 2025-11-19 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following charged-off accounts on my Equifax credit report. The accounts listed below are inaccurately reported as charged off or settled. I request that these accounts be thoroughly investigated, and the inaccuracies be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
I filed a debit-card dispute with Huntington National Bank for a Significantly Not As Described ( SNAD ) transaction in the amount of {$320.00}, processed on XX/XX/year>. I filed the claim by phone on XX/XX/year>, at XXXX PM ( XXXX XXXX # XXXX ), after my attempts to resolve the issue directly with the merchant failed. The merchant never provided a return label, making it impossible to return the defective item. 

I immediately followed up that same evening at XXXX PM by emailing Huntington all requested documentation and supporting evidence. Since then, every communication has been initiated by me. I have repeatedly re-sent the same documentation upon request, even attaching proof that I had already sent it on the original filing date. 

Key timeline : XX/XX/XXXX Filed claim and emailed evidence XX/XX/XXXX Followed up, re-sent same documentation with proof of prior submission XX/XX/XXXX Supervisor confirmed all evidence was present and said the case should be taken care of within XXXX hours XX/XX/XXXX Still unresolved, no written determination or reimbursement received Despite being told multiple times the case would be reopened, I later learned only a request to reopen was submitted and no actual reinvestigation occurred. The dispute research team continues to send the same question about returning the item even though the merchant never issued a return label. 

It has now been over XXXX months since the claim was filed, far exceeding Regulation Es XXXX investigation limit. Huntington has failed to conduct a prompt, fair, and complete investigation as required under the Electronic Fund Transfer Act. 

I request that the CFPB ensure Huntington reopens and properly investigates this claim, reinstates reimbursement for the disputed transaction, and provides written confirmation of its findings in full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
All accounts were opened fraudulently by someone else.

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 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2025 I got a text asking me to register to access a new Home Depot Consumer Credit Card. I did NOT every apply for such a card, so I responded STOP. Yesterday, XX/XX/XXXX, I got a bill in the mail from Home Depot saying there was a charge of {$650.00} on a Home Depot credit card that was opened up under my name with an account ending with the number XXXX. I called Home Depot, told them I NEVER opened up an account, and they said they would cancel the debt and begin their own internal investigation. They would send me information about that investigation in the mail. I also ran a credit check with XXXX. XXXX  shoed the same charge that was made to a credit card THD/CBNA with an account number XXXX. An address XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX and a phone number XXXX is listed with account. I tried to call them, but they wanted me to type in my full social security number to get information and I declined. I filed a Fraud Alert with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
XXXX Case Number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Case Number : XXXX XXXX Case Number 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
XXXX Case Number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Case Number : XXXX XXXX Case Number 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 am disputing the following accounts on my Experian credit report. These entries contain inaccuracies, and I request they be thoroughly investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Inquiries AXXXX 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 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 2025-11-19 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: AL

Complaint narrative:
I am writing to dispute several inaccuracies and incomplete entries in my credit report from the credit reporting agencies ( CRAs ) as detailed below. These discrepancies involve charged-off accounts and inquiries that I believe are incorrectly reported or otherwise do not meet the standards of accuracy under the Fair Credit Reporting Act ( FCRA ). Kindly investigate and resolve the issues presented for the following accounts : Charged-Off Accounts : XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$21000.00} Inquiries : XXXX, XXXX : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CO

Complaint narrative:
Im not linked to these accounts and request their deletion within XXXX  days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
These accounts have no relation to me and must be removed within XXXX  days pursuant to USC 1681g.

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 2025-11-19 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: GA

Complaint narrative:
I am writing to formally dispute the reinsertion of inaccurate information that has appeared on my credit report. These items were previously removed following a dispute, yet they have been reinserted without proper notice, in violation of the FCRA 611 ( a ) ( 5 ) ( B ). 

The following accounts have been inaccurately reintroduced to my credit file and are negatively impacting my creditworthiness : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} These items were either previously deleted, verified inaccurately, or added back without the required certification from the furnisher, as mandated under federal law. I did not receive notice within XXXX business days of the reinsertion, which further confirms that the reinsertion process was not properly followed. 

I have included supporting documentation, including screenshots of my credit report, showing that these accounts were deleted and later reinserted. I request an immediate investigation into this unauthorized reinsertion.

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 2025-11-19 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: AL

Complaint narrative:
I am submitting this filing in reference to my credit report discrepancies, and I request an investigation into the following accounts which I believe are inaccurately reported. Please find the disputed items separated by each credit bureau below : CHARGED OFF XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account Number : [ XXXX ], Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account Number : [ XXXX ], Date Opened : XX/XX/XXXX, Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Can you double-check this entry? It may have mistakes because I finished it late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
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 Equifax, 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 Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I am submitting this dispute to request a correction to my credit report for the following inaccuracies. These accounts are being reported incorrectly by the respective credit bureaus and I respectfully request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX, XX/XX/year>XXXX XXXX XX/XX/year> Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Am a victim of ID theft i am trying to submit my ftc report with transunion they are refusing to help me or transfer me to their special handling department. The customer service reps are rude they hang up the phone ridiculous customer service. They are not complying with legal code. I am requesting the CFPBs assistance in having TransUnion accept my documentation electronically and remove the fraudulent inquiry as required under 15 U.S.C. 1681c-2. I can upload my identity documents and identity theft report immediately. TransUnion refuses to accept documents via fax or secure upload and insists on postal mail only, which delays my rights under the FCRA. Their dispute agents stated TransUnion does not have a fax line and does not accept uploads. This contradicts the FCRAs requirements to accept identity theft reports and block fraudulent information promptly. See attached identity theft report and driver license. I also advised them that ftc report is only for credit card account that opened, they firmly said i need to create XXXX without account number, or date opened because the ftc is only for opened accounts. This. Account was not opened it was only for an inquiry. I did as they advised. They stated i should keep the areas blank and state its only for inquiry. Dont know how that would work, but i did as they advised. They refused to delete the fraudulent inquiry without report, and police department does not give reports for inquiries, unless an account is opened. Dont know why they are giving such a hard time, please help and hopefully they will retrain their staff, or fire incompetent employees who give everyone a hard time. They can check all recorded calls, and how difficult and rude they were. And refused to transfer

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