vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: Nelnet, Inc.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/year> {$750.00} between two transactions were transferred to scammer known as XXXX XXXX to reserve a rental property. I signed a lease with the person via email, and had discussed details with him for 3 days prior. After sending the money, family recommended that I google the property, and I found that XXXX XXXX is not the legitimate owner of the property, and did not have a right to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on 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 2025-12-16 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-16 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} NATIONAL CREDIT ADJUST - Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX CRED XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX GLOBAL LENDING SERVICE, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, XXXX : 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After a total loss. Contacted the XXXX XXXX, informed them about the total loss through my insurance. Sent over the total loss statement from the insurance. They have failed to removed the total loss from my credit accounts. Submitted the dispute through Experian as well XX/XX/year>. Its still on my credit report. Now showing pass due payment which are affecting my 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 2025-12-16 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: NY

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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX5 U.S. 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 2025-12-16 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-16 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 several items listed on my credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts and inquiries that are currently in dispute. Please separate the dispute for each credit bureau : XXXX ( XXXX ), XXXX ( XXXX ), and TransUnion ( TU ). 

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 : {$460.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} Inquiries XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : 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 2025-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: VA

Complaint narrative:
I am submitting a complaint regarding a private student loan issued through Climb Credit for a XXXX program. 

XXXX has ceased operations and is non-operational. I did not receive the full educational services promised. Climb Credit acknowledges the schools closure but refuses to provide relief unless XXXX confirms a refund and returns tuition funds. 

I have documented multiple attempts to contact XXXX. All official Devslopes email addresses return delivery failures indicating inactive accounts. The school is unreachable, making Climb Credits refund condition impossible to satisfy. 

I formally disputed this loan with Climb Credit and requested administrative forbearance and no negative credit reporting. Climb did not address my forbearance request and continues to treat the account as delinquent. 

I am also aware that the Consumer Financial Protection Bureau has taken enforcement action against Climb Credit for misleading borrowers about coding bootcamps and vocational programs. I believe my experience reflects the same pattern of conduct identified by the CFPB, including inadequate oversight of partner schools and harm to borrowers when programs fail. 

I have filed disputes with XXXX, XXXX, and XXXX regarding inaccurate reporting during an active dispute. I am requesting CFPB assistance to require Climb Credit to address this dispute, stop negative credit reporting, and provide appropriate relief given the school closure and non-delivery of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Inquiries : 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 XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a credit card promotion in the mail offering 6 % cash back 'in the category of my choice '. We selected 'home improvement ' as our choice knowing that we would be buying an oven and microwave in the near future. We did make that purchase at our local XXXX XXXX store and fully expected to receive the bonus as promised. 
That credit did not appear on our account within the expected time and I called the Bank of America customer service line. They told me that even though they understood that an oven and microwave were home improvement purchases, XXXX XXXX is considered an electronics retailer and they wouldn't honor this offer. 
Any reasonable person would see this as an obvious misrepresentation and breach of contract in order to save their company a few dollars. Even the representatives that I spoke to verbally agreed with me but said they were unable to assist in any way.

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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: UT

Complaint narrative:
An advertisement from money lion popped up on my phone advertising I could apply for an installment loan through moneylion themselves and it was stated that it was only XXXX loan that I was applying for and it was going to be a soft pull on my credit score. They claimed no impact on my score. So I applied and I got at least XXXX denial emails that will definitely a hard inquiry and I had no knowledge that I had applied to these loan companies. I have tried really hard to get my credit scorXXXX back up just to have these XXXX hard inquiries that I had no knowledge I was applying for deny me. I definitely would not have applied for those places because I know that I would not have been approved. I have tried to contact moneylion several times for them to say I have no account with them and basically that they would never do anything like that but I have the proof and the emails that say that I did apply for these loan places again I had no knowledge that my application was going to go to those places. And they were all a hard inquiry as well. Money lion advertised that I would be applying for a loan through them just XXXX loan and it would not be a hard inquiry on my credit report. Just to find out that they had put my information in about XXXX other loans without my knowledge and it definitely was hard inquiries. I have copies of all the emails if need be.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
I am filing this complaint as a consumer who is working to correct inaccuracies on my Experian credit report. Upon review, I found several charged-off accounts, late payment entries, and credit inquiries that I believe may be inaccurate, incomplete, or not properly authorized. 

* * Charged-Off Accounts in Dispute ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1100.00} * * Late Payment Items in Dispute ( Experian ) : XXXX XXXX XXXX XXXX XXXX  Account # XXXX * SYNCB/Amazon Account # XXXX XXXX XXXX XXXXXXXX or Unverified Credit Inquiries ( Experian ) : XXXX XXXX XXXX  XXXX Credit ( XXXX XXXX multiple dates ) * XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * Exeter Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXr XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting XXXX Experian verify each disputed account and inquiry for accuracy and authorization. Any item that can not be fully verified under the Fair Credit Reporting Act should be corrected or deleted 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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: IL

Complaint narrative:
This company I have filed a complain months ago about the wrong account and amount they put on my credit report. They promised to remove the collection off my report but they failed to do so.My credit report still show their company and the wrong collection. XXXX recent just added another account/collection that was too old to be on my report because the account was closed and settled in my XXXX and was XXXX years ago. I don't understand why these types of company still be able to go around and buying old debts then put damages on consumers credit report. Please review my complain and this company because we are consumers need our datas protected from these types of company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to XXXX U.S. code XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to XXXX USC XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I previously filed a complaint against Ally to return {$50000.00} that I wanted to wire yo a business that they refused to wire. 
Complaint number XXXX. 
They gave me back the {$50000.00}, but are still keeping the money I had in my savings account, i think there is about $ XXXX that they owe me., i want it back now!

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 2025-12-16 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:
I request that Experian verify the above charged-off account for accuracy and validity. If verification can not be provided, please delete the account from my credit file. 

Charged-Off Accounts : XXXX XXXX  ( Account # XXXX XXXX XXXX, Reported XX/XX/year>, {$1700.00} ) * * I dispute this account as inaccurate and/or unverifiable. I have not received validation of this debt, and the information appears inconsistent with my records. Please provide verification from the original creditor or remove this account in compliance with FCRA 611. 

Unauthorized or Questionable Inquiries : No inquiries listed for dispute.

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