vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Subject : Experian failed to verify information, performed illegal re-aging, and reported inaccurate data I am submitting this formal complaint because Experian did not conduct the legally-required investigation regarding the account reported by : Credence Resource XXXXXXXX XXXX XXXXXXXX Account XXXX in : XXXX I initially disputed this account, and Experian failed to verify the information or provide any supporting documentation from the original creditor or the debt collector, as required under the FCRA. I then requested a reinvestigation due to serious inconsistencies, yet Experian again closed the dispute without complying with verification obligations and without providing evidence. 

FCRA and Metro-2 Violations Y Illegal Re-aging / Duplicate Reporting The account was re-reported in XXXX and XX/XX/year> without any new activity or payment. 
This constitutes illegal re-aging/re-insertion, artificially changing the delinquency timeline and damaging my credit score. 

Payment History Inaccuracy The account is marked as collection twice consecutively ( C C ) with no new activity, which is false, misleading, and violates accuracy standards. 

Failure to Provide Validation / Proof Experian did not provide : Original contract Proof of debt ownership Chain of custody of the debt This violates 15 U.S.C. 1681i ( a ) ( duty to provide and verify supporting documentation ).

Failure to Conduct a Real Investigation Experian marked the dispute as investigation complete, yet did not actually investigate or validate anything, violating : FCRA 611 ( failure to reinvestigate ) FCRA 623 ( furnishing inaccurate information )

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 2025-11-03 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Failed to investigate and obtain proof of method of verification.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting an investigation and correction of late payment information on items appearing on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. Please review the following accounts for accuracy : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-03 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 
I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-03 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: OH

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a vehicle in XXXX that Suntrust Bank financed for me and I finished paying off that loan in XXXX. 
On XX/XX/XXXX I contacted Truist Bank after I was informed at a XXXX  DMV office that Suntrust Bank ( now merged with Truist Bank ) still had a lien on my vehicle. I gave my vehicle identification number, my name, mailing address, email address and cell phone number to the person I spoke with and they said they would send over that information to the auto loan department ( XXXX ) and that I should give them 15 days to process my request. 
On XX/XX/XXXX I called Truist Bank to check on the status of my request and was informed that my request was not processed because the information that the auto loan department received was incomplete. I then proceeded to give them the same information from my XX/XX/XXXX call and was informed that it would take 15 days for my request to be processed. 
On XX/XX/XXXX I emailed the department ( XXXX ) requesting a status on my request of the lien release lettter and did not receive any response from them. 
On XX/XX/XXXX I called Truist Bank again to inquire about the status since I had not yet received any lien release letter in the mail from Truist Bank. I was told it was still in process and it would be another 15 days for it to be completed. 
On XX/XX/XXXX I called to check on the status of my request and the lady I spoke with then informed me that because it had been so long since the loan was paid off and the 2 mergers that Suntrust Bank went through ( first with XXXX XXXX XXXX XXXX  and then the second to with Truist Bank ) more then likely the information or records would be archived away and would not easily be accessible for them to process my request through the channel process I had been doing my requests through. She recommended I visit a local branch in my area and that I should give them a copy of an email print screen she emailed to me ( I have attached it ) below. 
On XX/XX/XXXX I stopped by a local branch and the manager available informed me that the auto loan department would be the best way to go in receiving the Lien Release Letter I was needing to present to the XXXX  DMV in order to get a copy of my car title so I can then donate or sell my vehicle.

Just in addition to my contact with Truist Bank I also checked out my credit reports to see if there was some discrepancy that would have entitled Suntrust Bank not to have released my title to me after I paid off my auto loan. There was no discrepancy on any of the 3 agencys credit reports I ran on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending to formally dispute several inquiries that appear on my credit report which I believe are inaccurate, incomplete, or not authorized by me. Under the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of each inquiry listed below and that any inquiry found to be incorrect or unverifiable be promptly deleted from my credit file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am sending to follow up on my previous correspondence regarding the formal dispute I submitted concerning inaccurate or unverifiable information appearing on my credit report. As stated in my original letter, I am requesting a full reinvestigation of the accounts listed below pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX Balance {$1000.00} Status Open. {$250.00} past due as of XX/XX/year>. XXXX XXXX XXXX Balance {$430.00} Status Open. {$180.00} past due as of XX/XX/year>.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime closed my checking and savings accounts. At the time my payroll check deposited. XXXX XXXX ; my social security check for XXXX. XX/XX/year>. In my savings account there was XXXX from an IRS refund. I have had this account for XXXX  years ; never had a return item. When I called after XXXX  Days they stated my funds would not be returned. They have no right to keep my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: ND

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) concerning numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and formally request a comprehensive and immediate reinvestigation of all disputed items. The accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$820.00}, and XXXX  XXXX XXXXXXXX XXXX XXXX with a balance of {$370.00}. Despite my prior dispute, these items continue to appear inaccurately on my credit report, and I have not received any validation, explanation, or documentation from the credit bureau regarding their continued reporting. This constitutes a violation of the accuracy and reinvestigation requirements under FCRA 1681e ( b ) and 1681i.

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 2025-11-03 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$930.00} Original Creditor XXXX EQUIFAX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Original Creditor XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$930.00} Original Creditor XXXX EQUIFAX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Original Creditor 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 2025-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Climb Credit Inc.
State: MO

Complaint narrative:
Category : Private student loan / job-training financing dispute Subject : XXXX  breach of Income Share Agreement; Climb Credit billing {$20000.00} loan despite program failure In XX/XX/XXXX I enrolled in the XXXXXXXX XXXX XXXX, which was structured as an Income Share Agreement ( ISA ). Under this ISA, I would pay XXXX percent of my future salary only if XXXX successfully placed me in a full-time job earning at least {$3300.00} per month within 12 months. If no qualifying job was obtained, XXXX agreed to conduct a placement assessment and release me from any payment or financing obligations. 

To cover the program, XXXX arranged a {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX ) loan, carrying a XXXX percent fixed interest rate and 24 monthly payments of {$930.00}. The loan was supposed to stay deferred until XXXX verified my placement status. 
I was never placed, and XXXX never performed the required placement assessment. 

On XX/XX/XXXX XXXX emailed me and other fellows saying it had been foreclosed on and is winding down operations. They said XXXX XXXX will no longer defer loans and that XXXX can no longer perform the assessments needed to confirm placement or release borrowers. Despite this, XXXX XXXX has billed me {$930.00} due XX/XX/XXXX. 

This situation breaches the XXXX and makes the loan invalid. XXXX failed to deliver the contracted services and can no longer perform its verification duties, leaving borrowers responsible for debt that should be canceled. I have not made any payments and am requesting CFPB assistance to : Review the relationship between XXXX and Climb Credit, Stop any credit reporting or collection activity, and Cancel or discharge the {$20000.00} loan tied to a program that no longer exists. 

Attached are : XXXX Terms of Service ( showing the 14 % ISA and placement guarantee ), XXXX XXXX XXXX XXXX and XXXX Disclosure, and XXXX foreclosure email. 

Thank you for your help. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief