vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are not valid and should be taken off within 15 days following USC 1681g.

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 card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Zales Comenity Card. I was told I need to use my card to keep it open. I made a purchase by on or before the date specified. Tried to use the card and was told by sales assist was closed. So after closing the account they stopped sending bills. I called figuring I still had a small balance and was told it was late. I told them I didnt receive a paper statement. They refused to take the late fee off because the account was closed. I went to zales and made a payment including the late fee. I started receiving bills finally. I made additional payment at zales. I had a balance of about XXXX dollars. I knew my bill was due by the XXXX. So I made several attempts on different days to pay online. Each time and each day I tired paying online it told me I had the wrong information and I couldnt access My account. The info it request is my birthday, my lat XXXX digits and the account number to access your account. I tried thru the phone to access my account. Still no option to pay except they check or speaking to a representative which charges and outrages fee to pay thru the phone. By the time I was able to make a trip to Zales to pay the bill it was considered late. Ive made this payment of {$20.00}. It still does not reflect on the system even today. I called to speak to a representative to have any late fee removed. I spoke with XXXX and he said it cant be done. I was told to speak with a supervisor by the manager of Zales who said Comenity have the ability. I then requested a supervisor which XXXX transferred me to. His name was XXXX. I told him on the website, on this very phone call it says you have the ability to pay online and multiple forms. But it alway comes back to either making a trip to the store or speaking to a representative which charges an outrageous fee. They also want you to give them personal banking information. They have the ability to add late fees but dont have the ability to take them off if your account it closed which they closed even though I kept my account in good standing and my credit score is more than sufficient to hold the card. I was told by the representative to just reapply at the store but the manager at the store said he doesnt want a ding on his credit for a card he should already continue to have. XXXX refused to removed the late fees and said I can access my account to pay via online they phone or they mail or at the store. Comentity is intentionally manipulating their systems to take advantage of the consumer and cheating to steal from the consumer-

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: NV

Complaint narrative:
Subject : Inaccurate Reporting of Late Payments and Incorrect Spelling of Consumers Name Violation of the Fair Credit Reporting Act and Metro 2 Standards ________________________________________ Summary of Complaint : I am filing this complaint because XXXX XXXX XXXX XXXX and XXXX  are reporting false 60-day late payment entries on my XXXX XXXX XXXX XXXX credit card account, and XXXX  is also inaccurately spelling my legal name as XXXX XXXX XXXX XXXX XXXX XXXX  ) instead of my correct name XXXX XXXX ( XXXX XXXX  ). 
These errors have caused significant harm to my credit standing, reputation, and ability to obtain credit on fair terms. Despite submitting a written dispute to both parties on XX/XX/XXXX, the inaccurate information remains uncorrected, which violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 
________________________________________ Facts and Evidence : My XXXX  credit report lists my name as XXXX XXXX instead of XXXX XXXX. 
The report also lists multiple 60-day late payment notations for the XXXX XXXX XXXX XXXX credit card account ( for XXXX, XXXX, and XXXX ). 
I have verified my own payment history and confirmed that these late payments never occurred. 
Both XXXX XXXX XXXX XXXX and XXXX  have failed to provide verifiable documentation proving the accuracy of these negative entries. 
The incorrect spelling of my name constitutes a failure to maintain maximum possible accuracy under FCRA 1681e ( b ). 
________________________________________ Applicable Law Violations : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting data they know or should know is inaccurate. 
2. FCRA 1681i ( a ) : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items and delete unverifiable data.

3. FCRA 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of personal and account information.

4. Metro 2 Reporting Guidelines : Require that all data furnished to CRAs, including name spelling and account history, be complete, accurate, and verifiable. 
________________________________________ Case Law References : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must go beyond merely parroting information from furnishers. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reporting unverifiable information violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX. XXXX. XXXX ) Unsubstantiated late payments must be deleted. 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these accounts, and if they can not be verified as accurate, I ask that they 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts do not correspond to me ; delete them within 15 days in compliance with USC 1681g.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Positive Accounts : None listed for TransUnion. 

Late Payments : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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: U.S. BANCORP
State: CA

Complaint narrative:
Over {$17000.00} was stolen from my U.S. Bank account, and my fraud claim ( Case # XXXX ) was denied without clear evidence or documentation. I reached out to the banks Executive Office for help, hoping someone would take my situation seriously.

Less than 24 hours after contacting the executive office, U.S. Bank closed both of my accounts without warning or explanation. This feels like clear retaliation for escalating a legitimate fraud complaint. The timing alone shows this was not a coincidence.

Ive saved all emails, letters, and records showing how quickly the closure followed my escalation. This experience has caused me serious emotional and financial hardship. I believe U.S. Banks conduct violates federal consumer protection standards ( UDAAP ) and basic fairness.

Im asking the CFPB to review this case and require U.S. Bank to provide a written explanation for denying my fraud claim and closing my accounts right after I escalated my complaint.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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: CA

Complaint narrative:
I am submitting this dispute regarding the accounts listed below. I believe these accounts are being reported inaccurately, and I respectfully request that the information be corrected or removed if found to be unverifiable or inaccurate. Below is the detailed information for each credit bureau. 

CHARGED OFF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$390.00} Dispute : I believe this account has been reported inaccurately. I request verification of the account 's status, and if not verified, I respectfully request its removal. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$260.00} Dispute : Please verify this accounts status. If it can not be verified, I request removal from my credit report. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$16000.00} Dispute : I believe this account is reported inaccurately. Please provide verification of the account and the amount owed. If it can not be verified, I request its removal. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00}

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute regarding the accounts listed below. I believe these accounts are being reported inaccurately, and I respectfully request that the information be corrected or removed if found to be unverifiable or inaccurate. Below is the detailed information for each credit bureau. 

CHARGED OFF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$390.00} Dispute : I request verification of this account. If it can not be verified, please remove it from my credit report. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
I had initially signed up for XXXX  and agreed to take a loan from Climb Credit on XX/XX/XXXX. The amount of the initial loan was {$7900.00}. My payment amount, which I still owe, has somehow risen to {$8500.00} after I spent over {$1000.00} on the program and loan. XXXX was in breach of contract as of the end of XX/XX/XXXX when staff started disappearing due to either being fired, quitting, or finding other employment. All throughout XXXX of XXXX, up until the closing on the XXXX of XX/XX/XXXX, many students were gaslighted into believing that things would be back to normal soon, with the CEO of XXXX, XXXX XXXX, promising updates. After the closure, we found out that many employees were working for free throughout this month. Upon onboarding, which was done via a XXXX  call, I told the student advisor how I struggled throughout college, feeling like I was alone when I would get stuck. I was promised through manipulation tactics that XXXX would be different. It was for about the first 3 months. After that, it was a slow decline into bankruptcy for the online academy. Climb is stating that they have given XXXX all of the money and that XXXX needs to refund them so that they can refund me. Meanwhile, I've seen messages from former XXXX staff stating that Climb was not giving payments to XXXX, the CEO, and it was causing financial issues within the academy. After the breach of contract, I just want to get this resolved, and it's been a complete hassle to get anything done from either end, as Climb is being pretty much unhelpful, and XXXX can't be reached. I was removed from the server before the shutdown without any explanation or chance to defend myself, and this is a breach of contract, not to mention the lack of services and lifetime access we were promised to the curriculum and mentors. Many other students are in the same situation and are also seeking a refund, only to be denied or have a lack of help, as I have.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following information on my credit report with Experian. Please review the accounts listed below and verify the accuracy of the data provided. If any information can not be verified, I respectfully request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF No disputed accounts reported. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POSITIVE No disputed positive accounts reported. 

LATE PAYMENT 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 2025-11-05 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: KS

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint because the credit reporting agency has continued to display incorrect and outdated personal identifying information in my credit file, despite my repeated attempts to have it corrected. This issue has been ongoing for months and has not been properly addressed even after multiple reinvestigations. 
The information in question includes : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have provided accurate and updated identification documents several times, but the agency continues to retain the outdated and inaccurate data. This suggests that their reinvestigation process is not being handled with reasonable care or in compliance with the Fair Credit Reporting Act, which requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
My correct personal information is as follows : Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of Birth : 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