vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: MN

Complaint narrative:
I financed a XXXX  education program with XXXX XXXX through Climb Credit. XXXX has recently shut down and stopped providing any classes or support. Their official contact email ( XXXX ) now bounces back as address not found, and I can not reach anyone from the company. 

I contacted Climb Credit to request a refund or cancellation under their school-closure policy, but they refused to help and told me to contact the school directly even though the school no longer exists. I have paid monthly for about a year for services that are no longer available, and the lender continues to bill me despite the merchant being defunct. 

I am requesting that Climb Credit pause or cancel my payments, issue a refund for any funds already disbursed, and remove any negative marks that may result from this issue. This is a case of a school closure / nonperformance situation where the lender is not providing appropriate consumer protection. 

Please investigate this matter and require Climb Credit to assist affected students.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im submitting this complaint because there are a few hard inquiries showing up on my credit report that I dont recognize or remember authorizing. This is actually my second time trying to get this fixed, and Im asking for a full, renewed investigation to make sure everything on my report is accurate and follows the Fair Credit Reporting Act ( FCRA ). 

Here are the inquiries I need verified : Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Im asking that you confirm whether these creditors actually had a permissible purpose to access my credit report. Please send me copies of any documents with my original written authorization or signature that gave them permission to pull my credit.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The person I spoke to was a representative from the fraud department and they briefly told me that my account was being closed due to violation of their policies and they wouldnt tell me what I violated. I received an email saying that my account was being closed and the funds in it will be mailed out as a check after the account is closed in 30-60 days. And if I wanted my funds sooner I can call the number on the back of my debit card or go to a branch. I called the number and they told me I do not have the option to receive my funds sooner. I mentioned to them that was a huge inconvenience because they closed my account without giving me a detailed reason why and they are also holding my funds when I have bills to pay. I believe I have been unfairly debanked or discriminated against by my bank due to my political or religious beliefs or lawful business activities, Executive Order XXXX, Guaranteeing Fair Banking For All Americans, I currently have over {$2500.00} in my accounts which I no longer have access to for 30-60 days due to Citibanks negligence. Please help. I have bills to pay.

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 monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Examine the supporting materials provided ; the inquiries were made without notice and may be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX 2025, I submitted formal disputes to all XX/XX/XXXX nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ), XXXX ( a ), and XXXX ( a ) ( XXXX ) ( A ) ). Despite providing proof of identity and detailed dispute letters, none of the bureaus responded within the statutory XX/XX/XXXX day period. The attached credit reports highlight systemic violations across multiple tradelines, including re aging of accounts, rolling charge offs, duplicate reporting, and unverifiable balances. These practices violate both the FCRA and Metro 2 reporting standards. I have highlighted and inserted notes on each tradeline I am disputing Key Violations by XXXX XXXX XXXX Bank ( XXXX accounts )XX/XX/XXXX notations every month into 2025 XX/XX/XXXXDuplicate tradelines across bureaus XX/XX/XXXX No signed agreements or ledgers provided XX/XX/XXXX Violations : FCRA XXXX ( a ) unverifiable ; Metro 2 improper coding XXXX XXXX ( XXXX accounts )XX/XX/XXXX Duplicate reporting across bureausXX/XX/XXXX No transfer documentation or accounting ledger o Violations : FCRA XXXX ( a ) ; Metro 2 duplicate tradelines XX/XX/XXXX Re aging of delinquency datesXX/XX/XXXX First payment never received remark improperly coded XX/XX/XXXX Inconsistent date of first delinquency across bureaus XX/XX/XXXXViolations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; Metro 2 re aging XXXX XXXXXX/XX/XXXXRe aging of delinquency XX/XX/XXXX No signed agreement or accounting ledger XX/XX/XXXXContinuous XX/XX/XXXX reporting beyond charge off date o Violations : FCRA XXXX ( a ) ; XXXX ( a ) ( XXXX ) ( A ) XX/XX/XXXXXX/XX/XXXX Re aging of delinquency XX/XX/XXXX Sold to XXXX XXXX without chain of custody documentation XX/XX/XXXX No validation provided XX/XX/XXXX Violations : FCRA XXXX ( a ) ; Metro 2 improper reporting XXXX XXXX XXXXXX/XX/XXXX date of first delinquency listed as XX/XX/XXXX but major delinquency first reported in XX/XX/XXXX ( re aging XX/XX/XXXX No validation of debt provided o Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; FDCPA validation failure XX/XX/XXXX XX/XX/XXXXdate of first delinquency listed as XX/XX/XXXX but major delinquency first reported in XX/XX/XXXX ( re aging ) XX/XX/XXXX No validation of debt provided o Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; Metro 2 re aging The bureaus failure to respond within the statutory timeframe, combined with the documented re aging, duplicate reporting, and rolling charge offs, demonstrates systemic noncompliance. These accounts are legally unverifiable and must be deleted immediately. My driver license and billing statement is attached for proof of identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
On XX/XX/XXXX 2025, I submitted formal disputes to all XX/XX/XXXX nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ), XXXX ( a ), and XXXX ( a ) ( XXXX ) ( A ) ). Despite providing proof of identity and detailed dispute letters, none of the bureaus responded within the statutory XX/XX/XXXX day period. The attached credit reports highlight systemic violations across multiple tradelines, including re aging of accounts, rolling charge offs, duplicate reporting, and unverifiable balances. These practices violate both the FCRA and Metro 2 reporting standards. I have highlighted and inserted notes on each tradeline I am disputing Key Violations by XXXX XXXX XXXX Bank ( XXXX accounts )XX/XX/XXXX notations every month into 2025 XX/XX/XXXXDuplicate tradelines across bureaus XX/XX/XXXX No signed agreements or ledgers provided XX/XX/XXXX Violations : FCRA XXXX ( a ) unverifiable ; Metro 2 improper coding XXXX XXXX ( XXXX accounts )XX/XX/XXXX Duplicate reporting across bureausXX/XX/XXXX No transfer documentation or accounting ledger o Violations : FCRA XXXX ( a ) ; Metro 2 duplicate tradelines XX/XX/XXXX Re aging of delinquency datesXX/XX/XXXX First payment never received remark improperly coded XX/XX/XXXX Inconsistent date of first delinquency across bureaus XX/XX/XXXXViolations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; Metro 2 re aging XXXX XXXXXX/XX/XXXXRe aging of delinquency XX/XX/XXXX No signed agreement or accounting ledger XX/XX/XXXXContinuous XX/XX/XXXX reporting beyond charge off date o Violations : FCRA XXXX ( a ) ; XXXX ( a ) ( XXXX ) ( A ) XX/XX/XXXXXX/XX/XXXX Re aging of delinquency XX/XX/XXXX Sold to XXXX XXXX without chain of custody documentation XX/XX/XXXX No validation provided XX/XX/XXXX Violations : FCRA XXXX ( a ) ; Metro 2 improper reporting XXXX XXXX XXXXXX/XX/XXXX date of first delinquency listed as XX/XX/XXXX but major delinquency first reported in XX/XX/XXXX ( re aging XX/XX/XXXX No validation of debt provided o Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; FDCPA validation failure XX/XX/XXXX XX/XX/XXXXdate of first delinquency listed as XX/XX/XXXX but major delinquency first reported in XX/XX/XXXX ( re aging ) XX/XX/XXXX No validation of debt provided o Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) ; Metro 2 re aging The bureaus failure to respond within the statutory timeframe, combined with the documented re aging, duplicate reporting, and rolling charge offs, demonstrates systemic noncompliance. These accounts are legally unverifiable and must be deleted immediately. My driver license and billing statement is attached for proof of identification.

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 2025-11-05 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:
I am filing this complaint because Equifax is reporting multiple accounts and entries that appear to be inaccurate, incomplete, or not properly verified in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$3300.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$13000.00} XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$18000.00} These accounts are being reported as charged off, but I dispute the accuracy and completeness of these entries. I am requesting that Equifax conduct a proper investigation and verify all information with the original creditor, including the balance, status, and any charge-off designation. If the information can not be verified, it should be deleted immediately from my file. 

Late Payment Reporting The following accounts contain late payment history I do not recognize or believe to be inaccurate/incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate reporting observed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: MD

Complaint narrative:
XXXX XXXX was notified certified mail to provide full chain of title, proof of ownership, legal right to collect alleged debt, legal contract bearing my wet-ink signature evidence showing the account was securitized, monetized or sold to a trust, XXXX XXXX has NEVER provided any documentation. Until FULL Validation is provided XXXX XXXX must stop reporting or collection and Equifax must delete this entry as it has been XXXX XXXX FCRA XXXX ( XXXX XXXX XXXX ) Equifax was notified by certified mail of this dispute and willfully continues to report this inaccurate data ; this is a direct violation of my rights. 
This information is not reported on Experian or Transunion, this is inconsistency, and unlawful. FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting False information. 
ACCT # XXXX, {$310.00} XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am disputing multiple inaccurate and unverifiable negative items appearing on my credit reports with XXXX, XXXX, and XXXX. The following furnishers are reporting false or incomplete information that is causing ongoing financial harm : Capital One Bank XXXX XXXX Reporting false late payments from XXXX through XXXX on two separate accounts ( one open, one closed ). I never received written notice or supporting documentation of these alleged delinquencies. I was facing financial hardship and illness at the time. Capital One has repeatedly failed to verify or produce billing records proving these reports are accurate. One account ( opened in XXXX, closed in XXXX ) reports old late payments from XXXX despite being paid and closed. The second account ( opened in XXXX, currently active ) shows a XX/XX/XXXX late payment even though I was under a pay-by-promise arrangement and made the payment as agreed. I previously submitted a goodwill request in XX/XX/XXXX and received no response. These inaccuracies appear across all three bureaus ( XXXX XXXX and XXXX ) and violate FCRA 607 ( b ) accuracy standards. 

XXXX XXXX XXXX. Reporting misleading information about a past account showing paid, closed but still marked as potentially negative. There are no verified delinquencies, and no documentation has been provided to substantiate the derogatory notation. 

XXXX XXXX XXXX Minor discrepancies and inconsistent updates across all three bureaus. Payment history and balances are being reported inconsistently, despite the account being current and paid as agreed. 

These accounts have already been verified multiple times without Capital One or the bureaus providing any documentary proof of accuracy. This violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), which require furnishers and credit reporting agencies to report only accurate, complete, and verifiable information. 

The inaccurate reporting has caused significant hardship : I have been denied affordable housing and vehicle financing, and my credit score continues to be unfairly damaged. Additionally, my personal information was compromised in the XXXX  data breaches ( XXXX, XXXX ) and XXXX  data breach ( XXXX ), raising serious concerns about the accuracy and integrity of my stored credit data.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: MD

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

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 2025-11-05 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a formal complaint against Citibank N.A. ( Citi Retail Services Best Buy Visa Card ) for mishandling a payoff payment and failing to respond to written correspondence. 

On XX/XX/year>, I mailed an {$840.00} payoff payment from my XXXX XXXX XXXX XXXX account # XXXX. Citi deposited the check in XX/XX/year> but did not credit the payment to my Best Buy Visa account ending XXXX until XX/XX/XXXX, XXXXalmost six months later. 

During this period Citi continued autopay withdrawals ( {$40.00} 6 = {$240.00} ) and assessed finance charges totaling {$98.00}. Only {$81.00} was eventually refunded, leaving {$250.00} still owed to me. 

I contacted Citi several times and sent a detailed written complaint on XX/XX/year> to multiple executive and billing-dispute addresses, including XXXX, XXXX, and XXXX. On XX/XX/year>, Citis Secure Email Helpdesk replied that they could not assist and referred me back to customer service. No one from Citi Retail Services or Best Buy Customer Care has responded since.

This violates the Fair Credit Billing Act ( 15 U.S.C. 1666c ) and Regulation Z ( 12 C.F.R. 1026.10 ), which require creditors to promptly credit payments upon receipt when identifying information is provided. It also constitutes poor customer service and potential mishandling of funds.

I am requesting that Citibank N.A. : Retroactively apply the {$840.00} payment effective XX/XX/year> ; Refund the remaining {$250.00} ; and Confirm that my Best Buy Visa account is closed with a 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 monetary relief
Consumer complaint received 2025-11-05 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:
if after any reinvestigation under paragraph { 1 } of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall } i { promptly delete that item of infomation from the file of the consumer or modify that item of information as appropraite based on the results of the reinvestigation

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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 2025-11-05 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AZ

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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