vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Our Company purchased 2 trucks from another Company, on XX/XX/XXXX, Vehicle XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX FOR {$15000.00}, Vehicle XXXX - XXXX XXXX XXXX, XXXX : XXXX for {$30000.00}. We have the Bill of Sales and copies of the cashed checks. Additionally, the loans for both trucks have been PAID IN FULL. However, the bank refuses to release the titles. The " first '' reason for why they were being held was because the 2 truck loans were part of " cross-collateralization '' in the original loan package. This has been the banks position since XX/XX/XXXX. However, once it was determined that this is not the case, just yesterday, XX/XX/XXXX, we were told that the reason changed to " they were sold without the banks approval ''. We are a small business, we purchased these 2 trucks legally from the then current owner, we have the Bill of Sales, copies of the cancelled checks and there is NO balance owed. As a small business owner, this is detrimental to our business and lively hood, It appears that they are holding them for NO reason as they are fully aware of the situation especially being that there is no financial gain to be had on their end. We are the VICTIM here. Please Help! Thanks you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my TransUnion credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question is reported by XXXX with a balance of {$970.00}, listed as derogatory and in collections, opened XX/XX/year>, and closed XX/XX/year>. 

I have attempted to dispute this account multiple times through your dispute process, yet it continues to reappear or remain listed inaccurately. Despite my prior disputes, no valid documentation or verification from XXXX or any collection agency has been provided to support this negative 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 2025-11-06 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: CO

Complaint narrative:
I financed my XXXX XX/XX/XXXXprogram through Climb Credit. In XX/XX/2025, XXXX officially announced that it had permanently ceased operations and would no longer offer classes, certificates, or support. The CEO publicly confirmed that the business was closed and that only archived self-study materials would remain online. The XXXX help email ( XXXX ) is now inactive. 

I contacted Climb Credit immediately to request information about loan refund or discharge options under the FTC Holder Rule, since the school closed before I could complete my program or receive my certificate. Climb Credit responded that they could not process a refund unless XXXX returned the tuition funds to them and directed me to contact XXXX directly even though XXXX is no longer operational and can not issue refunds or respond. 

This guidance from Climb Credit is misleading and violates the FTC XXXX XXXX, which requires the lender to assume the schools obligations in cases of services not rendered or school closure. Climb Credit has already acknowledged that XXXX breached its contract with them and that they are pursuing legal recourse against the school. 

I am requesting that Climb Credit honor its obligations under the FTC XXXX XXXX by discharging or refunding my loan, and that my payments be paused while this matter is under investigation. 

I have attached proof of the schools closure announcement and evidence that the XXXX help email is inactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
I am disputing the above account because it contains multiple inaccuracies, including incorrect balances, wrong dates, missing original creditor information, and conflicting reporting across credit bureaus. XXXX XXXX also obtained a default request, default entry, and judgment based on unverified and inaccurate information. 

This account was for a used vehicle I purchased, for which I paid a higher interest rate, and the vehicle came with undisclosed damages. These issues further show the account is invalid, inaccurate, and unverified. 

Under FCRA XXXX, XXXX, XXXX ( b ) and FDCPA XXXX, I request : XXXX. Immediate deletion of this account from all credit bureaus ( Experian, Equifax, TransUnion ) XXXX. Cessation of all collection activity XXXX. Full validation of the debt, including the original signed contract, full payment history, proof of ownership, and documentation showing the vehicles condition and interest terms This reporting is illegal and inaccurate, and I request written confirmation of deletion and that no further collection activity occurs. 


Desired Resolution : Delete this account from all credit bureaus Stop all collection attempts Provide validation if they intend to pursue the debt Signed : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
This complaint is about CashApp. 

I am the president of a non-profit organization. I have a personal account with CashApp, but some donors requested digital options to make contributions to our mission, so the organization has also set up a separate CashApp. From the start, it was a hassle. Although we have our own tax ID and all sorts of paperwork establishing that we are a nonprofit, I was still required to add my personal information for " verification ''. I was told " it doesn't matter if you are the president of the United States, we can't use anything except a SSN to set up accounts '' That was stupid, but manageable, until we started being charged fees on donations that are typically only charged to businesses using cash app to sell goods or services. I reached out to ask why we were being charged fees on donations ( no services exchanged ) and kept getting AI answers about the difference between personal and business accounts. Then I was told that we can't have any changes made to the account because I already have a personal account -- but my personal account is only linked because CashApp wouldn't acknowledge the documents that show the organization as a non-profit that exists outside of my individual being. 

After going back and forth I just closed the chat and decided to file this complaint since it was obvious no one was actually reading what I was saying and my problem wasn't going to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
In reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. I contacted the credit bureau to dispute these inquiries and requested verification, including proof of my authorization, the permissible purpose for accessing my credit file, and the name of the party that initiated the inquiries. The bureau responded but did not provide the required documentation showing that I gave permission for these inquiries. 

I requested removal of the inquiries since they could not be properly verified ; however, the bureau did not remove them. This has negatively impacted my credit score and has caused financial hardship, as these inquiries imply that I sought credit I did not apply for. I am requesting that the CFPB review this matter and require the credit bureau to provide documented proof of authorization for each inquiry or remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From JPMCB Card on XXXX XXXX, 2025. A letter from JPMCB stating that my XXXX XXXX from Transunion was too low and my credit history wasn't established long enough. My credit score on XXXX XXXX, 2025 should be XXXX. I don't believe the duration of my credit history is insufficient. I have XXXX credit cards from XXXX XXXX, XXXX from XXXX  XXXX XXXX and XXXX from XXXX. It was fine with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase account in my name ( XXXX XXXX XXXX has been verified on XX/XX/year>, but since then the account remains locked and I still can not access or manage my funds. 

The balance ( ~ {$1100.00} USD ) is visible but not available for transfer, withdrawal, or trading. 

Coinbase has repeatedly replied with generic messages like under review by XXXX, without any real progress. 

I submitted a formal written complaint on XX/XX/year>, which was delivered on XX/XX/year> ( XXXX ) to Coinbase XXXX, XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX. 

Despite multiple follow-ups ( XX/XX/XXXX, XX/XX/XXXX ) and email from Coinbase XXXX  XXXX XXXX XXXX # XXXX, XXXX from Coinbase Support ) confirming that the Compliance Team is reviewing the case, nothing has been resolved. 

As a result, I have been deprived of access to my verified account for over XXXX months, losing the ability to manage crypto assets and suffering measurable financial loss due to market volatility and moral damage. 

This situation violates user rights and fair business obligations under XXXX financial regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MI

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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
i haven't gotten anything in the mail regarding any bills from collection agencies regarding a bill. I received a call they were asking me to identify who i was. They said it was a personal business matter, with a reference number. They said I have identify myself. I didn't because I assumed it was spam caller. I found out after looking at my credit report it was National credit system collection agency calling to try and say I owed XXXX. 

They can't expect me to claim or dispute money they said i owe according to my credit report without documentations. IT has been a couple of months. i have recieved nothing in the mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am disputing the accuracy of the following charged-off accounts listed on my credit report. It is my understanding that these accounts contain inaccurate information, and I respectfully request a full investigation of the details in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611.

Account Information : Account Name : XXXX XXXX # XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$780.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$3700.00}

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
It has been over a year of multiple daily calls. I answer the call and I get hung up on and then called back and it happens again. There are days I get over XXXX phone calls from and about comenity bank. I just am over this I understand calling once a week but daily multiple times a day is way too overwhelming, especially when I answer and get hung up on. I'm drawing my line and I accept one phone call per week if necessary. I'm homeless without a job I'm doing everything I can, when I have money I will definitely pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Dear Sir/Madam, I am writing to formally dispute several items on my credit report. After reviewing my recent credit report, I have found inaccuracies in the information provided under the following accounts : 1. XXXX XXXX XXXX Account Status : Open Amount Unpaid : {$1400.00} Most Recent Adverse Rating : Collection/Charge-off Placed for Collection : XX/XX/year> This entry is inaccurate, and I request that you investigate this matter and remove or correct any erroneous information.

2. XXXX XXXX XXXX Account Status : Open Amount Unpaid : {$1400.00} Most Recent Adverse Rating : Collection/Charge-off

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: WA

Complaint narrative:
I paid a credit relief company to pay off this debt and another. I was very poor, and the debt relief agency did not pay off the debt, nor provide a receipt of my payments and where the money went until after this debtor contacted me the first time. They have not sent valid proof, has misrepresented themselves in emails, have continued to call my phone after I have clearly requested them to cease and desist. One operator even said they will or stop calling me. They are rude, aggressive, and that seems to Be the only tactic besides providing not only clear proof of the debt, but also proof that they are even a legitimate business.

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 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/year> I noticed the credit bureaus reported there was a missed payment for the month of XXXX on my Target credit card. I have never missed a payment for this card, or any other credit card that I own. Upon learning of the missed payment I immediately called Target to both make the payment in full and also investigate because I had not received any statements indicating there was a balance on my account that needed to be paid. Target claimed that they did not have evidence of the email bouncing back so they assumed I received the statement via email. I was unable to find any emailed statements during this time period in my XXXX. I asked for proof an e-statement was sent to my email and they were unable to provide this evidence. They could only state that it did not bounce back. After speaking with the agent, I was assured they would remove the missed payment on my credit report and to check again in a couple of weeks. 

In early XXXX I noticed the missed payment was still present on my credit report. I called Target to investigate and they assured me a letter had been sent to the credit bureaus. 

In late XXXX the missed payment was still on my credit report so I asked for a copy of the letter that was sent to the credit bureaus. Target said they'd mail me a copy. When I received Target 's correspondence, I was shocked because the coorspondence from Target stated " We've investigated your concerns and confirmed that the information we've reported to the national credit bureaus about the account is correct ''. This is inconsistent with prior conversations and unacceptable given they have not taken responsibility for failing to send the statement. 

I called Target again on XX/XX/XXXX after receiving the above letter and the agent stated there was nothing she could do. I am very concerned that Target submitted a missed payment on my credit report when I never received the statement and they have no proof that the statement was sent. This is the only derogatory mark on my credit report and as a consumer I am flabbergasted that Target can do this when I never received a statement. I am requesting an investigation and correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2025-11-06 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: FL

Complaint narrative:
Dear Experian, I am writing to dispute the following information on my credit report : CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$7200.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT 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 2025-11-06 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a Portfolio Recovery account reported on my credit report. The details are as follows : PORTFOLIO RECOVERY Account # XXXX High Balance : {$600.00} Date Opened : XX/XX/2024 Status : Collection I have no knowledge of this account and have never opened or authorized any account with Portfolio Recovery. This appears to be an inaccurate or fraudulent entry on my credit file. I request that the CFPB investigate this matter and ensure the furnisher provides proper validation and proof that this debt belongs to me.

Company response to consumer: Closed with explanation