vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 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:
XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$4100.00} XXXX  - XX/XX/XXXX - {$72.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX - XX/XX/XXXX - {$0.00} FXXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$3500.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$14000.00} XXXX  - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Beyond Finance is horrible. I joined their program a year ago ( XX/XX/XXXX ) to try to get out of debt. My credit score was falling because my credit was maxed out. My payment history was perfect. I had never missed a payment with my creditors. The interest rates were killing me. With the amount of debt I signed up with, they set the terms at {$200.00} biweekly and said my debt would be resolved within XXXX months. This sounded wonderful as I was hiping to buy a home within the next XXXX years. After joining the program, I was instructed to stop all payments to my creditors. I agreed with much hesitation. After a year and over {$5000.00} in payments into the program, only XXXX of XXXX accounts were considered working in the program. XXXX account was settled and paid off ( this was an account I had previously disputed due to fraud and was sent to collections ), the other XXXX of the XXXX were set up on payment plans. To date, less than 6 month of payments have been made to those creditors. The remaining XXXX accts with a single creditor were unresolved. XX/XX/XXXX, I was served court paperwork. I am now being sued over the remaining XXXX accounts. The creditors offered a payment plan in XX/XX/XXXX, but Beyond declined it and never notified me at the time. Now the creditor is suing me in small claims and civil court for their money since no arrangements were made. The creditor has offered another settlement to Beyond that now includes XXXX months of additional interest charges and fees totaling almost {$3000.00}. This current settlement is higher than what was initially offered! The settlement they are offering requires repayment within XXXX months. I was completely honest with beyond about the amount of debt i had to begin their program. They set the terms at {$200.00} every XXXX weeks to resolve everything. I have paid without fail. Now, NOW, they want and additional {$1200.00} a month to resolve the remaining accounts. Of over XXXX XXXXXXXX in payments to XXXX, less than XXXX XXXXXXXX has been paid out to creditors. XXXX has used the remaining money for their fees. And now they want more money and more fees to complete the program. Because of their failure to handle my accounts properly and extremely misleading program, I now feel bankruptcy is my only recourse. I am in a far worse financial crisis because of Beyond Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX Re : Complaint of Identity Theft and Fraudulent Loan with XXXX ( FTC Report # XXXX  ) To Whom It May Concern, I am writing to formally request your assistance in investigating and resolving a case of identity theft that has resulted in a fraudulent personal loan opened in my name by XXXX I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX ( Report No. XXXX ), and I now seek your intervention to clear my credit record, ensure proper communication with credit reporting agencies, and obtain restitution. 
Summary of Events On XX/XX/XXXX, an account was opened with XXXX  using my personal informationsocial security number, name, and addresswithout my knowledge or consent. 
I first became aware of this loan when NCB Management Collections contacted me in early XXXX regarding missed payments on that account. 
Upon obtaining my credit report, I discovered the XXXX account carrying a balance of {$6000.00}. 
Correspondence from XXXX was addressed to XXXX, and a second letter bore my maiden name, XXXX XXXX, which I have not used in over XXXX yearsclear evidence of fraud. 
I have never applied for, received, or used any funds from XXXX. All solicitations they sent me were discarded unopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MI

Complaint narrative:
My personal information was exposed in a data breach, which cause me to go through my credit report with a fine tooth comb. After reviewing my report I found several items that I did not recognize or authorize. I tried reaching out to the bureaus myself with documentation to get the items removed and have been unsuccessful. The items are inaccurate and therefore they must be removed.

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 2025-06-27 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: MI

Complaint narrative:
My personal information was exposed in a data breach, which cause me to go through my credit report with a fine tooth comb. After reviewing my report I found several items that I did not recognize or authorize. I tried reaching out to the bureaus myself with documentation to get the items removed and have been unsuccessful. The items are inaccurate and therefore they must be removed.

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 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX CXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-27 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:
Upon reviewing my credit history, I discovered multiple unauthorized accounts that do not belong to me. I never opened or agreed to any accounts with the companies listed, and I am not liable for their activity.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently noticed that Portfolio Recovery is furnishing private financial information on my consumer credit report without my consent. My consumer credit account was acquired without my consent. This is identity fraud and a violation of the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 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:
XXXX XXXX XXXX has reported a collection account for {$2700.00} to Experian that I do not recognize. I have never received notice of this debt, and no original creditor is listed on the credit report entry. I believe this is a result of identity theft or a mixed file. 

I have already submitted a formal FTC Identity Theft Report and police report to Experian, along with my identification and proof of address. Despite this, the collection remains on my report, and Experian has not honored their obligation under the FCRA to block unverifiable or fraudulent accounts.

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 2025-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Climb Credit Inc.
State: IL

Complaint narrative:
I enrolled in XXXX XXXX coding boot camp in XX/XX/XXXX with the hope of launching a new career. Unfortunately, the program failed to deliver the additional education and post-graduation support that were promised at enrollment. The training lacked the depth and comprehensiveness advertised, leaving significant gaps in my professional qualifications. As a result, Ive been unable to secure the type of job the program claimed Id be prepared for. 

To make matters worse, XXXX XXXX XXXX that financed my educationmisrepresented key aspects of the programs outcomes, including inflating graduate success rates and mischaracterizing the jobs graduates would be qualified to pursue. These misrepresentations became obvious once I entered the job market and realized my credentials from XXXX XXXX were insufficient. This has not only delayed my career but has also caused substantial financial hardship. 

Since taking out the loan, Ive struggled to keep up with payments and have repeatedly asked for relief. Over the life of the loan, I was granted only XXXX months of interest-only paymentsfrom XX/XX/XXXX through XX/XX/XXXX. When I tried to apply again for a reduced payment plan, I was told I was no longer qualified, which I find unreasonable and disheartening. I graduated in XX/XX/XXXX, and the programs job guaranteeaccording to documentationwas supposed to last XXXX months, with the possibility of extension up to XXXX year. Despite doing everything required to meet the job guarantee terms, it was never honored by the school. Even while I was still completing the program, Climb Credit began pressuring me for full payments, which I paid. The XXXX has been XXXX. 

When I reached out to XXXX XXXX to request lower payments, I was denied outright. Instead, I was informed that another company might contact me if my loan became more than XXXX XXXX past dueessentially offering no assistance. I even asked why I would risk missing a payment knowing it would damage my credit and still received no support. Its been incredibly frustrating.

Company response to consumer: Closed with explanation