vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX ; Account Number XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " " does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. for the extension of 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 non-monetary relief
Consumer complaint received 2025-10-30 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-30 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 disputing this bankruptcy account due to potential inaccuracies in the reporting. The account is listed with a XXXX balance of {$0.00}, but I believe this may not be accurately reported. I request that TransUnion verify this bankruptcy filing with the appropriate court or creditor. If it can not be verified or is incorrectly reported, I request that it be removed from my credit report. Please provide a written confirmation of the resolution. 

Inquiries : XXXX XXXX A, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX ( XXXX entries ) XXXX, Date : XX/XX/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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital one closed both of my accounts. But they are still reporting on my credit every month 30 days late,60 days late etc even though the account is closed. I thought it was against my rights as a consumer to still be reporting anything to my credit after the account is closed? I want them both to stop illegally reporting and both deleted from all credit profiles ( XXXX, XXXX, and XXXX  ). As you can see in the images Ive provided, the accounts were closed in XXXX. We are in XXXX still reporting on all 3 credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I financed a XXXXXXXX XXXX XXXX XXXX  through Climb. On XX/XX/year>, XXXX announced that it was permanently closing and that No further classes will run, ending all instructional services and support. 

I can no longer access the live training, mentorship, support, or career services that were part of the program financed through Climb. This is a services-not-rendered situation and a school closure. 

I contacted Climb to submit a formal dispute. Climb told me that XXXX had already been funded and directed me to pursue a refund from the closed school instead of processing my loan dispute. 

This is incorrect guidance. Under consumer credit rules, the lender must handle disputes when services are not delivered. I have submitted my dispute letter and documentation to Climb through email and their support upload systems. I am seeking cancellation of the loan and refund of amounts paid due to school closure and non-performance. 

I am requesting CFPB assistance because I have not been provided a proper dispute process and was incorrectly directed to seek a refund from a closed school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CO

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I submitted formal written disputes to Experian, TransUnion, and Equifax on XX/XX/XXXXXXXX  regarding multiple inaccurate and outdated accounts that continue to appear on my credit reports. 

The accounts include : - XXXX XXXX XXXX XXXX multiple 3060 day late payments reported from XXXX, even though the account is now current and in good standing. 
- XXXX XXXX XXXX XXXX  accounts ( XXXX XXXX XXXX ) charged off but since paid or settled ; they continue to report as derogatory with balances. 
- XXXX XXXX / XXXX XXXX a collection account for approximately {$2100.00} that has been or will be settled under a pay-for-delete agreement but still appears on my reports. 
XXXX Department of Education XXXX XXXX old 120-day delinquencies remain, even though the loans are now current and reported in good standing. 

Despite providing documentation and requesting reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), these inaccurate entries have not been corrected within the required 30-day period.

I am requesting the CFPBs assistance in ensuring that all three credit bureaus and the furnishers promptly remove or correct these inaccurate and outdated derogatory items and confirm the changes in writing.

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 2025-10-30 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: TX

Complaint narrative:
I am writing to formally dispute the unauthorized credit inquiries listed below on my credit report. Please note that these inquiries do not correspond with any open or positive accounts, and I am requesting that they be removed from my file due to a lack of permissible purpose under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and FDCPA guidelines.

Below are the details of the disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that these inquiries be thoroughly investigated and removed from my credit file because they are either inaccurate or unverifiable. Under FCRA 607 ( b ), you are required to ensure the maximum possible accuracy of all information reported. Furthermore, according to Metro 2 compliance standards, all inquiries listed must either be verified or removed if they do not meet these guidelines.

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 2025-10-30 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: CA

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 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 2025-10-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX ) ORIGINAL COMPLAINT : # XXXX ON XX/XX/year> {$72.00} WAS GARNISHED from my CHECKING ACCOUNT BY MY BANK, XXXX XXXX XXXX 

XXXX ) SECOND COMPLAINT : ON XX/XX/XXXX, THEY DEPOSITED {$72.00} INTO MY ACCOUNT. THEN ON XX/XX/year>, THEY DEBITED THE SAME {$72.00} BACK OUT OF MY ACCOUNT. 

XXXX ) CURRENT COMPLAINT : I ATTEMPTED TO TRANSFER THE {$72.00} ON XX/XX/year>. I RECEIVED AN EMAIL ON XX/XX/year>, STATING : Dear XXXX, Navy Federal Credit Union was unable to process the following electronic funds transfer : From Account : Navy Federal EveryDay Checking : XXXX To Account : XXXX XXXX XXXX Bank Checking : XXXX Amount : {$72.00} Date to Transfer : XX/XX/year>XXXX  The transfer you requested for the date shown above was not completed due to the status of your Navy Federal account. 

Electronic funds transfer activity may be viewed or edited via Navy Federal Online Account Access. Thank you for choosing Navy Federal for your financial needs.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
VIA PREPAID GIFT CARD issued by XXXX XXXX and purchased from XXXX. The website is XXXX The cars is distributed and serviced by InComm XXXX XXXX XXXX XXXX XXXX 

I purchased the card as a gift. The packet was in perfect condition. When the gift was opened both the security code and the last four digits of the main card number were scratched off. The scratching was VERY INTENTIONAL. This must have been done AT THE MANUFACTURING stage since the package was sealed in plastic and there was no external markings. 

XXXX could not help. When I called the number on the card they required my name, telephone number, email address and physical address in order or " raise the issue ''. I did not consent to provide those details. 

The complaint is that I BELIEVE THE COMPANY INTENTIONALLY DAMAGES IT'S CARDS in order to force an UNNECESSARILY INVOLVED DISPUTE PROCESS and encourage the consumer ( especially consumers without a fixed mailing address, or who purchase via gift cards for discretion purposes ) to forfeit the card value. 

It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
They were able to send a letter that the debt was satisfied however it continues to show on my credit report when trying to purchase a home as a balance and delinquent. I would like this to be updated as it is paid off and not delinquent it was paid off XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My boyfriend and I dined at XXXX XXXX on Sunday, XX/XX/28 around XXXX XXXX. We've both dined here previously a couple times, and had really enjoyable experiences. This time, we ordered the XXXX XXXX, which my boyfriend has ordered in the past ( I have never had it ) and when it came out, there was barely any meat in it. We both had about 4 pieces of steak each, and it was covered in twice as many fries as usual, so we wouldn't be able to complain about how little food there was. It was an incredible scam. My boyfriend told the waiter that the last time he had dined here, an adequate amount of steak was served, but the waiter said back that it's " always been XXXX ounces. '' {$98.00} is a ridiculous price to charge for this meal that was 90 % French fries, scallion pancakes, and rice. I paid almost {$100.00} for good steak from a nice restaurant, not for filler carbs. Both me and my boyfriend left hungry and had stomachaches immediately after. I've had many dining experiences in my XXXX XXXX  living in XXXX and XXXX, and this is the first time I've felt the need to complain because I quite frankly feel robbed and taken advantage of from this meal. 

My credit card company, XXXX BILT refuses to credit me back because the portions were not specified on the menu.

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 2025-10-30 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:
Can you check over this record? It seems delayed and may have inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief