vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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:
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 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 2025-10-17 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:
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am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: SC

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-10-17 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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
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 ] Account Number : [ 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is legitimate and requires immediate action. My credit report contains multiple inaccuracies that fail to meet the legally required standard of maximum possible accuracy. These errors are causing serious and ongoing financial and emotional harm. I demand a full and immediate re-investigation of every inaccuracy and either correction or permanent removal of each erroneous item from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: VA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
This is supplemental to my previous complaint, which was closed after Silverman Theologou LLP submitted a false and misleading response. Their statement is full of inaccuracies and deliberate misrepresentations. 

I never filed any motion to vacate in XXXX, and I was never properly served in the original cases. Their claim is fabricated. Despite providing a police report, FTC Identity Theft Affidavit, and full proof that I am a victim of identity theft, Silverman Theologou LLP never investigated whether the debt was valid before seizing my funds. Instead, they unlawfully took over {$66000.00} from my bank account before my court hearings were even concluded. 

They also falsely claimed to have been licensed between XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX and XX/XX/XXXX XXXX records confirm theirXX/XX/XXXXicense was inactive during that period. All collection activity at that time was illegal under theXX/XX/XXXXy Licensing Act ( XXXX ) andXX/XX/XXXX ). 

Silverman Theologou LLP waited until the very last day of the 15-day response window to submit their deceptive replyfurther proof of their unprofessional and unethical behavior. Their tactics align with numerous other consumer complaints describing this firms fraudulent, abusive, and harassing conduct. 

They have repeatedly misused the court system to intimidate victims and evade accountability rather than address legitimate evidence or follow due process. Their actions reflect a pattern of deceit, exploitation, and disregard for consumer protection laws. 

I am submitting this supplemental complaint to correct the record and request that the CFPB reopen my case and conduct a full investigation. Silverman Theologou LLPs false statements, unlicensed collection activity, and unlawful seizure of my funds must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
There are late payments on this account ( EXETER FINANCE LLC Account Number : XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-17 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:
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 non-monetary relief
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
XX/XX/XXXX Dear CFPB, I am submitting this complaint regarding Climb Credit XXXX XXXX ( Climb ) andXX/XX/XXXXXXXX XXXX ( XXXX ), which have engaged in unlawful and deceptive practices in connection with my student financing account. 
Key Issues : 1. As of XX/XX/XXXX, neither Climb nor XXXX has provided adequate records showing how their loan balance calculations were derived. 
2. No new or amended promissory note has been produced to reflect my consent to the terms under which they now seek to collect. 
3.XX/XX/XXXXonline servicing platform shows no record of payments or account activity from XX/XX/XXXX to the present, despite my payments and inquiries. 
4. In XX/XX/XXXX, Climb and XXXX showed a balance of {$0.00} on my account. When I called, I was told Climb was reviewing accounts. At that time, my statement for Account XX/XX/XXXX XXXX indicated a remaining balance of {$6400.00}. Now, the account number has changed toXX/XX/XXXXXXXX with a balance of {$10000.00}, with no explanation for the increase and no statements to substantiate accuracy. 
5. The account now appearing onXX/XX/XXXX profile is listed asXX/XX/XXXX XXXX, which does not match my original promissory note or documentation signed in XX/XX/XXXX. 
6. Despite these discrepancies, ClimbXX/XX/XXXXcontinues to demand payment within 30 days, without resolution after multiple hours spent on the phone with representatives. 
Violations : Truth in Lending Act ( TILA ) Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TN

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Request for Form 1099-C - Cancellation of Debt I am writing to request a copy of Form 1099-C ( Cancellation of Debt ) for a charged-off debt associated with account number XXXXXXXX XXXX XXXX XXXX XXXX According to XXXX XXXX this debt was charged off ( written off ) in XXXX  and a Form 1099-C should have been issued for tax reporting purposes. I need this form to accurately complete my tax return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: PR

Complaint narrative:
To whom it may concern, On day XXXX, I looked at my report. I sent a letter to Experian on day XXXX asking them to reinvestigate these accounts : XXXX XXXX, and here is my tracking number : XXXX On day XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I leased a car on XX/XX/year> and made a {$2000.00} down payment at time of picking up the car. The dealership was to apply the first payment on my behalf. I subsequently made a payment on XX/XX/year> and then Chase Auto took an additional payment on XX/XX/year> and I called and filed a complaint about this and on XX/XX/XXXX I was credited back the additional payment. I have gone on to make my additional payments in XXXX and XXXX. Chase Auto is now telling me that I owe an additional payment. I spoke with an account manager named XXXX on XX/XX/year> and submitted bank statements showing the payments. On XX/XX/XXXX I received a message from Chase Auto to call them regarding my submissions. When I called I was connected with a manager named XXXX who told me that upon reviewing my documents that I was not owed any overdraft fees. I asked what she was talking about and explained that my case was regarding the additional payment. She went on to claim to review the documents that I submitted on XX/XX/XXXX and tell me that it had been determined that I still owed an additional payment. The conversation went around and around with her repeating that she'd verified with my documentation submitted on XX/XX/XXXX. I asked to speak with a different representative, but I and she said that was not possible. I hung up and called back and was connected with a manager named XXXX and he verified that the documents that I submitted on XX/XX/XXXX were not available to the escalation team to review yet and that it would probably be a few more days before they received them for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: U.S. BANCORP
State: OR

Complaint narrative:
Just watch this video I uploaded XXXX XXXX XXXX XXXX  They did this to me years ago by not paying my dental insurance .. they forced me to pay more than {$2000.00} to my dentist, though there's no way it could have been my fault The lovely government forces me to use this " service '' against my will though I have never shown behavior that suggests it's needed... They get a forced {$50.00} a month out of me to do a garbage job

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

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 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
In XXXX  I got Solar Panels from XXXX XXXX and it was Finance through GoodLeap. When I got the Solar Panels I was told I would not have to pay for Electricity Bills anymore because I would generate more than enough energy to sell to the grid. This turned out to be false. I have been paying for Electricity and Solar at the same time. My total Energy cost has gone through the roof and I feel I have been scammed. To make matters worse, XXXX XXXX has gone bankrupt so I am left with no warranty on my Solar Unit. I lost warranty promised of 25 years. GoodLeap does not care all they want is their monthly repayment. I have stopped paying and GoodLeap has been calling and threatening.

Company response to consumer: Closed with explanation