vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Self Financial Inc.
State: NC

Complaint narrative:
I am filing this complaint against Self Credit Card Company regarding XXXX unauthorized charges to my account from XXXX, each in the amount of {$21.00} on XX/XX/XXXX and again on XX/XX/XXXX, totaling {$42.00}. These transactions were not made or authorized by me and are not connected to any of my XXXX accounts or subscriptions. 

As soon as I noticed these charges, I promptly contacted Self to dispute them and report the transactions as fraudulent. Despite my timely action, Self denied my dispute Case ID XXXX and XXXX and has refused to provide any documentation or explanation of the verification process used to determine that the charges were valid. 

I have made repeated attempts to understand how these transactions were linked to me, but Self has not been transparent or cooperative. I am being held responsible for charges I did not make, and I believe this is a failure on Selfs part to adequately protect its customers from fraud and to comply with fair credit billing practices. 

I am requesting that the CFPB investigate this matter and that Self be required to : XXXX. Provide a full explanation and documentation of how the charges were verified. 
XXXX. Remove the unauthorized charges from my account. 
XXXX Review and improve their dispute handling and consumer protection procedures. 

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-23 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Climb Credit Inc.
State: DE

Complaint narrative:
On XX/XX/2025, I contacted Climb Credit regarding a {$10000.00} student loan for a program with XXXX that was misrepresented. Climb launched an investigation, and on XX/XX/2025, responded through the CFPB stating that the school had agreed to refund the loan in full and that the refund was initiated by XXXX on XX/XX/2025. 

On XX/XX/2025, a Climb Credit representative XXXX XXXX XXXX confirmed via email that they had received the funds from XXXX. However, when I called on XX/XX/2025, another agent contradicted this, stating that the refund has not been received or reflected on my account. 

This contradiction is creating confusion and delaying the refund process, which Climb previously stated would be completed within XXXX  days. Despite having the funds, Climb Credit has not applied the refund to my account or confirmed when my balance will be cleared. I am now left in financial limbo while the company fails to provide a consistent and final resolution. 

I am requesting immediate action to ensure Climb applies the refund to my account and confirms that my balance is reduced to {$0.00}, as previously promised in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX, AR XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date XXXX : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 writing to follow up on my request to block fraudulent information from my credit reports under Section 605B of the Fair Credit Reporting Act ( FCRA ). 
All necessary documentation is enclosed with this letter, including : Proof of my identity A completed Identity Theft Report filed with the Federal Trade Commission ( FTC ) Details identifying the fraudulent accounts to be blocked from my credit reports Below are the accounts that were fraudulently opened without my knowledge or consent and must be blocked : XXXX XXXX Opened : XX/XX/year> Fraudulent Amount : {$49000.00} XXXX  Opened : XX/XX/year> Account Number : XXXX Balance : {$460.00} XXXX  XXXX XXXX Account # : XXXX Fraudulent Amount : {$100000.00} XXXX Account XXXX : XXXX Fraudulent Amount : {$35000.00} As outlined in Section 605B of the FCRA, I am formally requesting that all three credit bureaus block and remove these fraudulent items from my credit file. 
Please confirm receipt of this request and documentation, and notify me once the fraudulent information has been blocked and removed from my credit 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 2025-05-23 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:
I am writing to follow up on my request to block fraudulent information from my credit reports under Section 605B of the Fair Credit Reporting Act ( FCRA ). 
All necessary documentation is enclosed with this letter, including : Proof of my identity A completed Identity Theft Report filed with the Federal Trade Commission ( FTC ) Details identifying the fraudulent accounts to be blocked from my credit reports Below are the accounts that were fraudulently opened without my knowledge or consent and must be blocked : XXXX XXXX Opened : XX/XX/year> Fraudulent Amount : {$49000.00} XXXX  Opened : XX/XX/year> Account Number : XXXX Balance : {$460.00} XXXX  XXXX XXXX Account # : XXXX Fraudulent Amount : {$100000.00} XXXX Account XXXX : XXXX Fraudulent Amount : {$35000.00} As outlined in Section 605B of the FCRA, I am formally requesting that all three credit bureaus block and remove these fraudulent items from my credit file. 
Please confirm receipt of this request and documentation, and notify me once the fraudulent information has been blocked and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Home depot card that uses

Citibank. I used the card frequently but had noticed citibank weren't reporting payments in a timel y manner so was causing my credit score to constantly be lower then it should. I would make a payment to pay off the card and it would be months before they reported it was paid. This caused me to use the card less frequently and in the contract I signed with them they did say
if the card was not used in a 12 month period they could deactivate the card. So I figured I would keep the card for emergency, for credit, and hopefully in the future they would fix their credit reporting, just use the card at least once a year.

I went to use the card on month 11 and my card got declined. When I called citibank they said it was canceled due to inactivity. I was upset about this and they said they can cancel this card at anytime and for any reason. I explained that I hadn't recieved a phone call an email or anything on this action. They said they don't have to do any of that. This is horrible services from start to end. When people depend on credit and for them to treat customers like this the customers that are the reason they are in business because of their customers. I had always made my payments and always made them on time. The lack of care and courtesy is just unreal. I asked how we can fix this problem and they said there was nothing they could do. They didn't try to rectify this issue at all and acted like they didn't care about their customers which was apparent with their lack of communication, lack of care on my situation, lack of trying to help or offer options or lack of letting me talk to anyone that could help.

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 2025-05-23 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: MS

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : 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/year>

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 2025-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank put a restriction on my account on XXXX and locked me out of my checking and saving accounts. I was told on XXXX that they are ending the relationship and they would be mailing my money from the accounts on XXXX. I've spoken with them lots of times and they've never giving me the same answer twice as to why they have never mailed the money from my accounts ( around {$17000.00} ). I spoke to a gentleman last week and he stated, no the checks haven't gone out.... and will not be going out. They've told me this has to do with XXXX stating {$520.00} and XXXX XXXX XXXX stating {$4900.00} in fraud and told me I need to call these banks. I did the leg work and talked with these banks and neither bank has my name, SS #, phone #, or address in their system. The last conversation from their escalation team told me this has to do with my wife and XXXX XXXX XXXX ( our old financial planner ). Neither of these is true. They are hold me money hostage and I have incurred late payments for several things. I have asked them numerous times to just have the back office call me directly and we can get this solved in 5 mins. I'm beyond XXXX and struggling to pay my bills because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Id like to dispute this rental because I didnt live there, I didnt give them this authorization and Id like this debt collection to move over to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-23 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-23 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I went and Purchased a XXXX XXXX, and my insurance company XXXX XXXX ran my consumer report to see if any claims were outstanding under my name. They soon found that a person named XXXX XXXX XXXX living in XXXX TEXAS had a claim open under my name. My name is XXXX XXXX XXXX, and I have lived in Illinois my entire life, even this person 's social sec # is on my report.. 

My social ends in XXXX, but yet it shows this person social ending in XXXX. 

This is now my second reporting of LexisNexis to you and they have YET to fix the issue. 
XXXX XXXX XXXX is still listed on my report and all of his information is on there. This has been going on now for four months, and nothing has yet to be done on LexisNexis 's part.

This is causing my premiums to have been raised, and I really don't want to have to get legal consultation on this, but it has been pulling teeth.

They keep reporting that the data is accurate, which is true, the claims are accurate, but they belong to XXXX XXXX XXXX who lives in Texas, not me XXXX XXXX XXXX who lives in Illinois. 

The Past case number of my complaint is XXXX, and I have reattached my XXXX  report which still shows ALL of XXXX XXXX XXXX XXXX still listed on my current report on XX/XX/year>. 
The Most current LexisNexis case number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department XXXX Government XXXX ( DOGE ) XXXX gain access XXXX multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among the dataset that has been compromised.

Company response to consumer: Closed with explanation