vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: Climb Credit Inc.
State: NJ

Complaint narrative:
This loan was borrowed for XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX  that falsely advertised job placement through Indeed. The school has since collapsed, staff emails bounce, and refund requests were ignored. 

Attached are multiple pieces of evidence showing XXXX XXXX and Climb Credit engaged in deceptive practices. Refund requests were ignored, staff emails bounced, and identity theft was documented. Despite this, Climb Credit and XXXX XXXX continued furnishing tradelines to XXXX  and XXXX, marking them as verified or resolved without conducting a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

This demonstrates systemic failure to investigate, deceptive trade practices, and lender complicity in fraud. 

Supporting documents attached include bounced staff emails, ignored refund requests, credit bureau reports showing false verification, and my FTC fraud report. 

XXXX XXXX XXXX, acting as the servicer, also furnished false tradeline information and deflected responsibility back to Climb Credit, leaving me with unresolved fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I am writing in follow-up to your response dated XX/XX/year> regarding my debt validation request. While you provided a copy of a signed lease and ledger, your response did not satisfy the full requirements of my original request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To clarify, I did not request a lease and ledger alone. I requested complete and proper validation of the alleged debt. At this time, you have not provided sufficient documentation to establish your legal authority to collect, nor have you provided the full evidentiary records required by law.

To reiterate, my validation request includes the following : Documentation of Obligation A copy of all agreements, contracts, or documents bearing my signature that establish my actual liability for the specific balance you claim, including itemization of how the move-out charges were calculatednot merely a standard lease. 

Evidence of Assignment / Legal Right to Collect A complete and unbroken chain of title or transfer of rights demonstrating your legal authority to collect this debt on behalf of, or in place of, XXXX XXXX. 

Statute of Limitations Verification Proof that this alleged debt is within the legally enforceable statute of limitations for collection activity in the applicable jurisdiction.

Comprehensive Account History A detailed, itemized accounting of the entire balanceincluding dates, charges, fees, assessments, and a full explanation of how the amount you claim was derived.

Your prior response did not address these requirements. Therefore, the alleged debt remains disputed and unvalidated.

Under FDCPA 1692g ( b ), you are required to cease all collection efforts, including phone calls, emails, letters, and any form of credit reporting, until full validation is provided. If this account has been furnished to any credit reporting agency, you are also required to update the tradeline to reflect that it is disputed.

If you are unable to produce the requested documentation, you are required to : Cease all collection activity, and Request immediate deletion of the account from all credit reporting agencies pursuant to the FDCPA and the Fair Credit Reporting Act ( FCRA ), as unverifiable information can not be legally reported.

Please provide complete validation within 30 days of this notice. Failure to do so will constitute non-compliance with federal law, and I will take further action, including filing complaints with the CFPB, Arizona Attorney General, and pursuing my rights under the FDCPA and FCRA.

I expect your full cooperation and a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have accounts and addresses that do not pertain to 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 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am filing a complaint against XXXX  and Early Warning Services for improperly reporting a XXXX XXXX  account that contains fraudulent charges. I submitted disputes directly to both companies regarding these unauthorized activities, but neither has responded or provided the required investigation results within the time allowed by law. 

Both XXXX  and Early Warning Services continue to report this fraudulent account, causing harm to my banking and financial standing. Additionally, I believe they are violating the Fair Credit Reporting Act ( FCRA ) by improperly buying, selling, and trading my personal information for monetary gain without my consent. Their failure to conduct a reasonable investigation and their ongoing misuse of my consumer data are clear violations of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Failure to Remove/Correct Disputed Account Despite FTC Case and Active CFPB Complaint FCRA Violations Complaint Summary : I am filing a complaint against [ Experian / TransUnion XXXX Equifax ] for failing to properly investigate, update, or remove inaccurate information related to a disputed account reported by XXXX XXXX XXXX Account # XXXX and XXXX ). 

I currently have completed complaint filed with the Consumer Financial Protection Bureau and an active FTC Case regarding XXXX  unlawful and misleading reporting practices. Despite this, the credit bureaus continue to report the account as a charge-off with missed payments, even though the account is formally and legally in dispute due to XXXX breach of contract, misrepresentation, and failure to honor agreed-upon terms. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must : Accurately report a consumers information ( 1681e ( b ) ) Mark an account as in dispute when the consumer has formally disputed it ( 1681s-2 ( a ) ( 3 ) ) Promptly investigate disputes and correct or delete inaccurate information ( 1681i ) None of these obligations have been met.

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 2025-11-17 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: NY

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in regards to the following accounts on my credit report. I am disputing the accuracy and completeness of the information being reported by the bureaus listed below. I request your intervention to ensure these issues are addressed in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Accounts in Dispute Charged Off Accounts Experian ( EX ) : XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX/XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$73.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX  ( XXXX ) XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX/XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$73.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00}

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 2025-11-17 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: SC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am writing to dispute the following items on my TransUnion credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX XXXX XXXX XXXXXX/XX/XXXX, {$590.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$720.00} XXXX XXXX XXXXXXXXXXXX, XX/XX/XXXX, {$130.00} [ Inquiries ] 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 2025-11-17 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 am extremely frustrated to see that these inaccurate accounts continue to appear on my credit report, even though they should have been taken off. I am urgently begging for the documents I attached to be checked carefully so I can stop stressing over this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Central Research Inc
State: IN

Complaint narrative:
During a required federal servicer transfer XXXX, XXXX  from XXXX to CRI, my account was placed into administrative forbearance without my consent in XXXX, XXXX, and XX/XX/year>. 

However, CRI continued to auto-debit my monthly payments, and all three payments were processed. My PSLF servicer is refusing to count these as qualifying months because of the forbearance, even though the Department of Educations PSLF Payment Count Adjustment states that months in a servicer-initiated forbearance must count if the borrower made payments during that period. 

I am being penalized for a servicer error and denied three PSLF credits that I earned. I am asking CFPB to review the servicing conduct and ensure that these payments are correctly counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for reporting inaccurate and unverified credit information that belongs to another person. My credit files contain multiple accounts that do not belong to me, which demonstrates a clear violation of the accuracy procedures required by law. 

The specific accounts in dispute are : XXXX account XXXX XXXX - Reported as a charge-off from XXXX to XX/XX/year>. This is not my account. 

XXXX XXXX account # XXXX - Reported as a charge-off with inconsistent amounts : {$7400.00} on TransUnion and {$7300.00} on Experian. Equifax does not show it, demonstrating reporting inconsistency. This is not my account. 

XXXX XXXX XXXX  XXXX account # XXXX - Reported as a charge-off. This is not my account.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-11-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXXXXXX XXXX or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 am writing to dispute the inaccuracies reflected on my credit report. Below is the detailed information regarding the accounts I am disputing, separated by each credit bureau. 


Charged Off Accounts XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$870.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$6100.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$4800.00} XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$16000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-17 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-17 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: IL

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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
MOHELA from mohela.studentaid.gov is currently claiming that we have a federal loan for {$19000.00} USD. 
However, this student loan debt was filed under XXXX XXXX XXXX and placed in default and was transferred to XXXX. XXXX transferred us to XXXX, XXXX transferred us to MOHELA, MOHELA transferred us to XXXX XXXX XXXX XXXX. This was all done on XX/XX/year>. 
XXXX XXXX XXXX XXXX helped us pay off the defaulted debt in a debt settlement agreement. We have proof that the account was resolved, no longer delinquent debt of {$19000.00} and has a debt of XXXX. 
After 60 days of XXXX debt, XXXX shown debt on the studentaid portal, and no information. We recieved a letter from MOHELA, that we have a student loan debt of the same amount is owed. This loan is a federal loan that was " opened '' on XX/XX/year> but was not shown either on the fasfa studentaid portal. We had no indication that the debt was consolidated and we have proof that the debt was settled. We called XXXX to resolve and the account is still XXXX, proof of payment and settlement was made to that specific account. Either someone did not do their due diligence or the information was filed late and it is appearing 60 days after we did a debt settlement. There is no Master Promissory Note ( MPN ) in my Federal studentaid portal for this specific loan. There has not been an MPN for more than 60 days. Please help us figure out if this debt still exists or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation