vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: BTH Management
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine.

Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: GA

Complaint narrative:
I enrolled in the XXXX XXXX XXXX and financed my tuition through Climb Credit. The loan has since been serviced by both XXXXXXXX XXXX XXXX XXXX 

After enrolling, XXXX announced that it is shutting down business operations and that all student access to its platform will end on XX/XX/year>. The schools founder also stated that there will no longer be mentoring, graded assignments, or job placement support, which were essential components of the program I was promised. 

As a result, I was unable to complete the program, and the educational services outlined in the original agreement were not fully delivered. I reached out to Climb Credit to request a refund and loan cancellation. Climb responded that they can not process a refund unless XXXX returns the tuition funds they had disbursed, even though Climb has confirmed that XXXX breached its contractual agreement with them and that Climb is pursuing legal action against the school. I also contacted XXXX directly, at the email address provided by Climb, to request a refund in writing but I have received no response. XXXX is no longer communicating or operating in a capacity to issue refunds. 

Since then, both XXXX XXXX and XXXX have continued to send billing reminders and hold me financially responsible for a loan tied to a closed and non-functioning school. I find this unacceptable, as I did not receive the services that were financed through this loan. 

I respectfully request that the CFPB assist in the following : - Full cancellation of my Climb Credit loan and a refund of any payments made.

- Immediate suspension of all billing and collections activities by XXXX XXXX and XXXX while this case is under review. 

- Removal of any negative credit reporting associated with this loan. 

Also Here are some supporting evidence regarding this : - Email correspondence from Climb Credit confirming XXXX breach and their ongoing legal action. 

-Screenshot of XXXX XXXX closure announcement stating that the business will end on XX/XX/year> and that mentorship, grading, and job support will stop. 

- Proof of email communication sent to XXXX requesting a refund with no response. 

- Multiple communications from XXXX XXXX and XXXX regarding billing despite the schools closure and dispute status. 

I made every good-faith effort to resolve this matter directly with Devslopes, Climb Credit, and their servicing partners, XXXX and XXXX. XXXX is now closed and unresponsive, and Climb admits that the school breached its contract. Yet, I am still being held responsible for a loan that funded a program which was never completed and no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
FCRA Section 604 ( a ) Permissible Purpose of a Consumer Report Citation : 15 U.S.C. 1681b ( a ) This section says a credit reporting agency ( Experian, Equifax, or TransUnion ) may only furnish your credit report to a person or company that has a permissible purpose under the law for example : in connection with a credit transaction you initiated ; for employment purposes ( with written permission ) ; for insurance underwriting ; for a legitimate business need in connection with a transaction you initiated ; or under court order, etc.

If an inquiry was made without a permissible purpose, it violates 604 ( a ) of the FCRA.

Citation : 15 U.S.C. 1681i ( a ) This section gives you the right to dispute any inaccurate or unauthorized information, including inquiries.

The credit bureau must investigate your dispute within XXXX  days.

If they can not verify the inquiry was authorized, it must be deleted.

When you dispute, cite both : Unauthorized inquiry violation of FCRA 604 ( a ). Please investigate under 611 and remove if unverifiable.

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 2025-11-07 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: NJ

Complaint narrative:
FCRA Section 604 ( a ) Permissible Purpose of a Consumer Report Citation : 15 U.S.C. 1681b ( a ) This section says a credit reporting agency ( Experian, Equifax, or TransUnion ) may only furnish your credit report to a person or company that has a permissible purpose under the law for example : in connection with a credit transaction you initiated ; for employment purposes ( with written permission ) ; for insurance underwriting ; for a legitimate business need in connection with a transaction you initiated ; or under court order, etc.

If an inquiry was made without a permissible purpose, it violates 604 ( a ) of the FCRA.

Citation : 15 U.S.C. 1681i ( a ) This section gives you the right to dispute any inaccurate or unauthorized information, including inquiries.

The credit bureau must investigate your dispute within XXXX  days.

If they can not verify the inquiry was authorized, it must be deleted.

When you dispute, cite both : Unauthorized inquiry violation of FCRA 604 ( a ). Please investigate under 611 and remove if unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

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 2025-11-07 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: FL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts I am disputing the following charged-off accounts under Experian for inaccurate or unverifiable reporting : 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 XXXX XXXX {$1000.00} Please provide proof that these accounts were correctly charged off and that the reported balances, dates, and statuses are accurate. If verification can not be obtained, I request deletion. 

Late Payments XXXX XXXX XXXX XXXXXXXX I request verification of all late payments reported on this account and removal of any that can not be substantiated by the original creditors records. 

Inquiries The following inquiries appear on my report. Please verify that they were authorized by me ; if not, they should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-07 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: CA

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-11-07 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-07 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase credit card XXXX keeps trying to collect debt for XXXX A XXXX from XXXX  I am XXXX XXXX XXXX XXXX XXXX. I have called in XXXX XXXX XXXX times to explain and they refuse to even listen. Chase is calling me XXXX XXXX XXXX times a day harassing me to pay someone else debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. 
This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. 
I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. 
I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
I attempted to resolve my debt with XXXX XXXX associates Original account XXXX. 
They refused a payment offer and demanded I go to a third party collection ( First national collection bureau ) I then contacted FNCB and offered to make a settlement payment and I was told they could not accept my payment settlement offer of {$130.00}. 

Both collections agencies lied to me. XXXX XXXX XXXX said they no longer control the debt. First national collection bureau stated they can not accept my payment offer. 

Ref # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
CFPB Complaint Narrative CFPB COMPLAINT NARRATIVE CREDIT REPORTING XXXX XXXX XXXX I am submitting this complaint because TransUnion, Experian, and Equifax are reporting the same accounts with different late payment months and are also showing multiple mortgage related inquiries on the same days in XXXX made by related entities. I have provided each bureau with a notarized affidavit citing the Supreme Court XXXX FCRA decisions ( TransUnion LLC 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. of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ) ) and with copies of the XX/XX/XXXX reports. I asked them to delete or correct every item that is not uniform or can not be verified, and to standardize my personal information. I am requesting CFPB monitoring and that the bureaus be required to send me updated reports showing the deletions

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 2025-11-07 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: MS

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 2025-11-07 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: LA

Complaint narrative:
I am a consumer seeking to correct inaccuracies on my credit report. Below are the accounts I am disputing. Please review the details and remove any inaccurate or incomplete information as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$920.00} BANKRUPTCY Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against BMO Bank regarding the irresponsible reversal of a dispute that should have been resolved in my favor. I purchased package protection which covered my purchase for any reason. 

On XX/XX/year>, I made a transaction with XXXX XXXX, which is documented under claim number XXXX for the amount of {$450.00}. The merchant failed to follow their contract by not providing the merchandise within the designated time frame. In light of this failure, I initiated a dispute with BMO Bank. 

Despite the clear evidence supporting my claim, BMO Bank reversed the dispute, which I believe was an unjust decision. The lack of proper review and consideration of the evidence provided has caused me significant inconvenience and financial distress.

I request that BMO Bank reconsider this decision and reinstate the dispute in my favor, ensuring that I receive the funds owed to me due to the merchant 's failure to deliver as promised. 

Thank you for your attention to this matter. I look forward to your prompt 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