vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Climb Credit Inc.
State: TX

Complaint narrative:
Hello, I have a collection agency repeatedly calling me for a debt collection. It is a private {$4700.00} loan that went into collections and it was from a fraudulent loan company called CLIMB CREDIT LLC that was already sued by the CPFB as falsely advertising that people could get these high paying jobs through online vocational and coding boot camps. I see that I can qualify for this claim because I am a victim of this sued loan company because I got the loan in XX/XX/XXXX and they were sued in XX/XX/XXXX. I hope to be able to file a claim and I do not want and I dont want these debt collectors harassing me anymore Here is the link to where the CLIMB CREDIT was sued for {$950000.00} XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
This is a formal request to dispute hard inquiries appearing on my credit report that I have no knowledge of authorizing. I have not submitted any recent credit applications that would warrant such inquiries.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Between XXXX XXXX XXXX XXXX XXXX I filed disputes with XXXX, TransUnion and Equifax Credit Reporting Agencies regarding an unverified collection account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Despite my repeated requests for validation during that time, neither credit reporting agency has provided verification of this account. 
As outlined in the Fair Credit Reporting Act ( FCRA ), these agencies are required to either verify the accuracy of the information or remove the account from my credit report. To date, this has not been done. Both agencies continue to report this account, despite it remaining unverified. 
I am now requesting assistance from the CFPB to help resolve this matter. I have made multiple good-faith attempts to obtain validation but have received no response or resolution from TransUnion or Equifax. 
Thank you for your attention to this matter. I respectfully ask for your assistance in ensuring that this account is either properly verified or permanently removed from my credit report in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
This is for XXXX who is continuing saying I made a payment. Here is a copy minus pertinent identity information with all transactions done in XX/XX/year>. If you fail to remove this information, you will be hearing from my attorney.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
A account was open without my consent in is stopping me from opening a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Bank of Texas regarding a promotional offer for which I fulfilled all the stated requirements, but have not received the promised {$400.00} bonus. 

In XX/XX/year>, I opened a new Access Checking account with Bank of Texas using a promotional code that advertised a {$400.00} cash bonus. According to the terms of the promotion, I needed to complete qualifying direct deposits totaling {$1500.00} or more within 90 days of account opening. 

I complied with these terms : One qualifying direct deposit was from the IRS as a tax refund on XXXX. 

The second qualifying direct deposit was from my employer as wages on XXXX. 

Together, these deposits totaled more than {$1500.00} and were completed within the required 90-day timeframe. 

Despite meeting all requirements, I have not received the {$400.00} bonus. I contacted Bank of Texas for clarification, but was told that I do not qualify for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: NJ

Complaint narrative:
A balance of {$3000.00} was reported to the credit bureaus by Fairway Capital Recovery after it was transferred from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never received a full itemized bill that clearly explains how this amount was calculated. When I disputed the debt with Fairway, they sent a " validation packet '' only containing past email communications between myself and XXXX XXXX XXXX and various documents listing different amounts owed. There is no clear breakdown of the {$3000.00} reported. I have attached the validation packet to this document to further demonstrate the lack clarity around how the reported balance was calculated. 

Prior to the transfer, I paid a {$200.00} housing deposit to XXXX XXXX XXXXThere were no damages to the room, yet the deposit was withheld due to my " financial standing '' with the chapter. I requested that the {$200.00} deposit be applied to the debt, and was told in writing that it would be applied at a later date. However, after the debt was sent to collections, I received no written confirmation explaining what happened to the deposit, whether it was ever applied to the balance or simply retained by the chapter. I was never issued a refund or check for the deposit. I am concerned that the full {$3000.00} was reported without deducting this amount. There is nothing in the lease agreement I signed that permits them to withhold my security deposit under these circumstances. Their refusal to return the deposit appears arbitrary and retaliatory. 

On XX/XX/year>, months after the debt had already been transferred and the report was posted to my credit, I was contacted by XXXX XXXX XXXX, who identified herself as XXXX XXXX XXXX finance advisor. She told me her contact at Fairway informed her that my debt had been reported to the credit bureaus and is listed on my report. This raised serious concerns for me as I was under the impression that once a debt is transferred or sold to collections, the original creditor no longer has access to credit reporting updates or influence over the case. XXXX continued involvement, especially referencing information about my credit file and urging me to make a " reasonable offer '' to fairway feels like a clear overstep and a potential privacy violation. 

I feel that this situation has been mishandled, and the communication between the original creditor and the collection agency may be violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information currently listed on my credit report. I want to make it absolutely clear that this complaint is not being submitted in error. The information in question does not meet the legal standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

These reporting errors are having a significant and ongoing negative impact on my financial stability and overall well-being. The emotional and financial toll is unacceptable, especially during an already challenging time.

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 2025-07-25 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: TX

Complaint narrative:
I have identified an account on my credit report that I did not open or authorize. This appears to be a result of identity theft.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Fraudulent XXXX XXXX XXXX  Account on My Credit Report I am writing to report a fraudulent account that has appeared on my credit report and is negatively impacting my credit score. 


My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The account in question is from XXXX XXXX XXXX, with the partial account number XXXX. I have never opened or authorized this account, and I believe it to be the result of identity theft or unauthorized activity. 

I am requesting the immediate removal of this account from all of my credit reports and that it no longer affect my credit score.

I tried to resolve this problem with credit bureaus, but they did not give me any response.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is for Ally who is continuing saying I made a payment. Here is a copy minus pertinent identity information with all transactions done in XX/XX/year>. If you fail to remove this information, you will be hearing from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Between XXXX XXXX XXXX XXXX XXXX I filed disputes with XXXX, TransUnion and Equifax Credit Reporting Agencies regarding an unverified collection account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Despite my repeated requests for validation during that time, neither credit reporting agency has provided verification of this account. 
As outlined in the Fair Credit Reporting Act ( FCRA ), these agencies are required to either verify the accuracy of the information or remove the account from my credit report. To date, this has not been done. Both agencies continue to report this account, despite it remaining unverified. 
I am now requesting assistance from the CFPB to help resolve this matter. I have made multiple good-faith attempts to obtain validation but have received no response or resolution from TransUnion or Equifax. 
Thank you for your attention to this matter. I respectfully ask for your assistance in ensuring that this account is either properly verified or permanently removed from my credit report in compliance with federal 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 non-monetary relief
Consumer complaint received 2025-07-25 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-07-25 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: TX

Complaint narrative:
This is to inform you of a fraudulent entry appearing on my credit report. I did not authorize, open, or have any affiliation with this account.

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 2025-07-25 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 2025-07-25 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 2025-07-25 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX balance {$350.00} 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