vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-02 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: FL

Complaint narrative:
Im reaching out because I found incorrect information on my credit report that absolutely does not belong there and I need it fixed right away.

Specifically, theres an account showing up that I dont recognize at all. Ive never opened it, never authorized it, and I have zero ties to it. This is not my account, and I shouldnt have to deal with the consequences of someone elses error ( or worse, 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request that you reopen and investigate fraud claim # XXXX. 
Between XX/XX/XXXX and XXXX, I was charged multiple times by a XXXX XXXX for XXXX totaling {$4600.00}. I did not authorize these charges, nor do I recognize the merchant involved. I promptly contacted the bank and reported these transactions as fraudulent. 
On XX/XX/XXXX, I received temporary credits as follows : XXXX charges of {$460.00}, totaling {$3700.00} XXXX charges of {$460.00}, totaling {$920.00} However, on XX/XX/XXXX, all these charges were posted back to my account without any explanation. I immediately followed up and was told I needed to submit a faxed letter to reopen the claim, which I did right away, by going personally to the bank as the letter could only be sent via Fax, and I do not have a Fax available. 

Despite this, I never received any communication from the bank, no phone call, no letter, and no explanation. When I called again on XX/XX/XXXX, I was surprised to learn that the request had been denied and that the claim would not be reopened. I was not provided with any reason for the denial, nor any details about the merchant involved. 

I respectfully request a full explanation regarding : Why the claim was denied Who the merchant is- it just says XXXX XXXX but this a money transfer service that I do not use Why I was not contacted during the review process Given the serious nature of this issue and the lack of transparency so far, I am requesting an immediate escalation and a clear response. These charges are unauthorized, and I am seeking to have the funds returned to my account. 
I have been a customer of the bank for over XXXX  years and planning to close all my accounts and open with a different bank if don't get to a right resolution. I am also afraid of keep being charged by this merchant unexpectedly.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I DO NOT OWE XXXX XXXX NET STUDENT LOAN ITS BEEN OVER XXXX YRS

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 2025-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Climb Credit Inc.
State: NE

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am a student who enrolled at XXXX ( formerly XXXX XXXX ). I entered into an XXXX XXXX XXXX ( XXXX ) with XXXX to finance my tuition. 

I recently became aware of the CFPBs enforcement action in XX/XX/XXXX against XXXX and its CEO, XXXX XXXX, for deceptive practices. I was unaware of these issues when I enrolled and signed the XXXX. 

In addition to the deceptive practices already noted by the CFPB, I want to highlight that XXXX entire system fell apart approximately four months ago and has still not returned to full functionality. Classes are not being held as they should, and teachers are often absent when they are supposed to be present to provide support. The current state of the school is not worth the significant tuition and financial burden that students like myself are being required to bear. 

Given this situation, I would like to know if I am eligible for any relief or cancellation of my XXXX under the terms of the CFPBs action, as I feel I was misled by XXXX  representations and have not received the quality education promised. 

Here are my details : Full Name : XXXX XXXX XXXX of Enrollment at XXXX : XXXX XXXX Agreement Date : XX/XX/XXXX Contact Information : XXXX XXXX XXXX Please advise me on the steps I should take or any documentation I need to provide to support my case. I appreciate your attention to this matter and look forward to your guidance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 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 XX/XX/XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XX/XX/XXXX- Account Number XXXX XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance

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 2025-06-02 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: NC

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 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 XX/XX/XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XX/XX/XXXX- Account Number XXXX XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XX/XX/XXXX- Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TN

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a phone call on XX/XX/year> at XXXX from a unknown number ( XXXX ) XXXX and I spoke with a unknow man who said something about legal action and this is his 1st attempt and ask if i had something to write with. While on the call i got email from XX/XX/XXXX with what I feel is a threaten demand letter attached that states, " To avoid potential negative impact to your credit standing and to prevent further collection activity, we urge you to remit payment in full immediately. '' I disconnected the call and I went to httpsXX/XX/XXXX to verify that XX/XX/XXXXas a licensed financial service provider and they are not. I searched by their name, address, and phone number.

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 2025-06-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: UMB FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was making autopayments on my XXXX XXXX credit card. The creditor changed to UMB bank after that everything got downhill. They did not inform me of the change and did not transfer over the autopayments. I found out about the information through a change on my credit score. Called them tried to make the payments finally I got to a point and asked them to liquidate my account, we agreed on terms I sent a XXXX check and called and found out the agreement was not put into effect. I cancelled the check. Called again they apologized we agreed on liquidation terms ; this time I sent the new check after calling again and confirming. The agreement put in place in XXXX, and I have been sending checks timely through my bank. I am current on my account. But this time they started calling me and reporting me late because of that cancelled check even though the new checks are cashed timely by them. Every time I call, they go through my account tell me my account is current and apologize promising they will fix it. This time my credit went down from XXXX to XXXX because of false reporting which effects my finances badly. I called again they went through my account and stated for some reason it is not aged yet, they apologized and promised to fix it. I am tired of this I need them to fix their statement on my credit as well as compensate me for my financial losses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear CFPB I am writing to formally report that I am a victim of identity theft. I have recently become aware that a bankruptcy filing has been submitted fraudulently using my personal information. Additionally, I have identified multiple unauthorized credit inquiries on my credit report, which I did not initiate or authorize. 

Please be advised that : I did not file for bankruptcy and any such filing made under my name or Social Security number is fraudulent. 

Unauthorized credit inquiries have been made on my credit profile without my knowledge or consent. 


I request that your office immediately investigate this matter and take appropriate steps to : 1. Flag any bankruptcy filing associated with my name as fraudulent. 


2. Prevent further misuse of my personal information.

3. Assist in removing the unauthorized credit inquiries from my credit record.

4. Provide guidance on any further steps I should take to protect my identity and credit standing.

I am in the process of filing identity theft reports with the Federal Trade Commission ( FTC ) and placing fraud alerts with the major credit bureaus ( XXXX XXXX and TransUnion ). 

If needed, I can provide a copy of my government-issued ID, an FTC Identity Theft Report, and a police report once filed. 

Please confirm receipt of this message and advise on the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 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 XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX 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 2025-06-02 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$760.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$8300.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00}

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 2025-06-02 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. Here is the items I an asking you to verify as accurate. You investigated and nothing got fixed. At this point, I am demanding you remove these following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached photos for you to see this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
I enrolled in Beyond Finances debt settlement program in XX/XX/XXXX, based on the companys assurances that they would negotiate with my creditors, reduce my debts, and manage the process from start to finish. At the time, I was in a financially vulnerable position and believed this would offer structured relief and support. 

Between XX/XX/XXXX and XX/XX/XXXX, Beyond Finance withdrew approximately {$2100.00} from my bank account. In return, I received minimal communication, no clear accounting of how my funds were being used, and no confirmation that settlements had been reached with any of my creditors. XXXX of my enrolled accounts was eventually closed by the bank due to inactivity, with no indication that Beyond Finance had ever engaged with them. 

I reached out on multiple occasions to request information about the status of my accounts, a breakdown of fund usage, and overall progress. My inquiries went largely unanswered, and the responses I did receive were vague and non-specific. I was also never notified when or if any creditors were contacted. 

Given the lack of results, transparency, or follow-through, I believe Beyond Finance failed to deliver the services they promised. They continued to make regular withdrawals from my account without meaningful updates or outcomes. I am requesting a full refund of the {$2100.00} withdrawn, a formal explanation of what services were rendered ( if any ), and an immediate termination of any remaining obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was victim of a fraud. I have a police report made on XX/XX/XXXX ; called the bank because it was a Saturday and asked what to do, they suggested to freeze the accounts so no money will go out or in. Funds sent via XXXX were pending on my account on the XXXX; returned to my account as per statement on the XXXX and withdrawn again from my account on the XXXX in despite of the account being frozen. I clearly explained that I was being a victim of fraud and that was the reason of freezing the account. Now my account shows an overdraft and the bank is not taking any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. Here is the items I an asking you to verify as accurate. You investigated and nothing got fixed. At this point, I am demanding you remove these following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached photos for you to see this.

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