vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-10-27 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-10-27 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:
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 : XXXX 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
Consumer complaint received 2025-10-27 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:
I am filing this complaint regarding clear violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. 

I am a verified victim of identity theft. Multiple fraudulent accounts and unauthorized hard inquiries have been reported on my credit file without my knowledge, authorization, or consent. 

I have attached the following documentation : A police report officially filed regarding this identity theft incident A notarized FTC Identity Theft Affidavit Proof of identification and current address Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries and accounts were not initiated by me, nor have I ever had any relationship with the listed creditors.

Under FCRA 605B ( a ), each credit reporting agency must block fraudulent information from a consumers credit file within four ( 4 ) business days of receiving an identity theft report. I have provided all legally sufficient evidence required under FCRA 603 ( q ) and 605B ( b ). 

Despite this, these fraudulent accounts and inquiries remain on my reports. This failure constitutes non-compliance with the FCRA and ongoing harm to my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is regarding a resolution regarding my international wire transfer initiated on XX/XX/year>, in the amount of {$120000.00} USD, plus {$45.00} in transfer fees, sent from my Citibank account to my XXXX XXXXk account in XXXX. 

According to Citibank representatives, the funds were returned by Citibank XXXX. I specified the reason for the transfer as Other to purchase a house as the purpose at the time of the transaction. 

Despite this, the funds were not credited to my XXXX account as expected on XX/XX/year>. I contacted Citibank multiple times beginning XX/XX/year>, and was advised that the funds had been returned and that I would receive the full amount on XX/XX/year>. However, on that date, I was informed the matter was still under investigation. 

On visiting the branch, Citibank credited only {$110000.00} USD, which is {$5200.00} less than the original amount sent ( excluding the {$45.00} transfer fee ).

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 monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Old national bank is reporting and account negative that Ive already paid in full.

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 2025-10-27 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) 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 1681s-2 they are suppose to 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 2025-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Please see complaint XXXX as this was the previous complaint. 

For the above complaint XXXX instructed me to go to the FSA ( see upload XXXX ) which is also the ED. Note that I have sent, by certified mail, letters to XXXX XXXX ( Upload XXXX ) the XXXX  of the FSA - he has never responded. I have also tried to reach the ombudsman ( Upload XXXX ) by certified mail and regular mail. 

In response to the original complaint the FSA has sent me a letter directing me to go back to the loan servicer, XXXX, ( Upload XXXX ). Note that the FSA has a feedback case ( XXXX ) and they have done ABSOLUTELY nothing as far as this complaint and removing the overdue status from my credit report and all derogatory remarks. Also note that the FSA system, ( Upload XXXX ), Total and Permanent XXXX ( XXXX  ) discharge shows correctly that on XX/XX/year> my loans were discharged. 

Also for reference I have taken screenshots of my XXXX account ( Upload XXXX ) and the balances on the loans- which were previously discharged. 

PLEASE do not close this case before you speak to me! Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Summary of Complaint I enrolled in an online coding bootcamp offered by XXXX, which advertised lifetime access, guaranteed career outcomes, and potential income improvements. I financed the tuition ( approximately {$10000.00} ) through Climb Credit. 

After my enrollment, XXXX went out of business, removed all educational content, and no longer provides access to the program or support. Despite this, Climb Credit and its servicing partners continue to report my account negatively to credit bureaus. My credit scoXXXX has dropped by over XXXX points as a direct result of this reporting. 

This represents a breach of contract, misrepresentation, and ongoing harm to my consumer credit and financial reputation. 



Specific Issues False and misleading advertising : XXXX made explicit representations of lifetime access and employment/income benefits that were never fulfilled. 
Failure of consideration : The product I financed no longer exists ; no services are being rendered. 
Unfair and inaccurate credit reporting : Climb Credit continues furnishing derogatory data after loss of service and value. 
Prior regulatory action : The CFPB has already taken enforcement action related to Climb Credits practices ( 2024 ), suggesting ongoing noncompliance. 



Relief Requested I respectfully request that the CFPB investigate this matter and compel appropriate remedies, including : 1. Full discharge of the DevSlopes-related loan due to fraud and breach of contract.

2. Restitution of all payments made, including accrued interest and related finance charges. 
XXXX. Compensation for time, labor, and opportunity cost spent on a program that was never delivered. 
4. Removal of all negative credit-report entries tied to this account across all consumer reporting agencies.

5. Review for potential class-wide harm, as other XXXX borrowers financed through Climb Credit appear similarly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION

Complaint narrative:
My daughter took out a loan with Sallie Mae for {$50000.00}. 

I've made XXXX per month payments since XXXX. Currently the balance is {$43000.00}. 

Something is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
I am writing to file a formal complaint against the following companies for reporting inaccurate and unverifiable information on my credit reports : XXXX XXXX ( reported on XX/XX/year> ), XXXX ( reported on XX/XX/year> ), and XXXX ( reported on XX/XX/year> ). These accounts are appearing on my credit file with discrepancies that are not supported by any valid documentation or consumer authorization. 

I have already attempted to resolve these issues directly with the furnishers and credit reporting agencies, but the accounts continue to appear inaccurately. I have not received any verifiable evidence proving the accuracy or ownership of these accounts. Under the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611, furnishers and reporting agencies are required to ensure the maximum possible accuracy of all reported information. Continuing to report unverifiable or false data constitutes a violation of federal law and causes ongoing harm to my creditworthiness and reputation. 

I respectfully request that the CFPB conduct a thorough investigation into these entities for failure to maintain accurate reporting practices. Furthermore, I demand immediate removal or correction of any information that can not be fully verified according to the FCRA. 

Please confirm receipt of this complaint and advise me of the next steps in your investigation. I am attaching copies of my identification and relevant credit report pages to support my claim. 

Thank you for your prompt attention to this serious matter.

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 2025-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has blatantly violated its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) by continuing to report inaccurate, incomplete, and unverified derogatory tradelines long after being notified of a formal dispute. Despite my providing sufficient notice and evidence, Experian failed to reinvestigate within the mandatory 30-day period and did not produce competent verification or source documentation from the furnishers. 

Accounts : 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  Each of these accounts displays serious discrepancies, including false charge-offs, outdated payment activity, and unverified balances. Experians own notationssuch as dispute resolved ; consumer disagrees and unpaid balance reported as a loss by the credit grantorprove that the agency closed the dispute without substantiated verification. This constitutes a willful disregard of FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that disputed information must be either verified with evidence or deleted entirely.

Experians negligence has caused measurable harm to my credit reputation and financial opportunities. By allowing unverifiable and inaccurate data to remain, Experian has failed to maintain the maximum possible accuracy standard required under FCRA 1681e ( b ). This misconduct shows systemic indifference to consumer rights and clear noncompliance 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 explanation
Consumer complaint received 2025-10-27 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: AR

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 : SXXXX XXXX XXXX XXXX XXXX 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 2025-10-27 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: IL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
I made an attempt to bring my mortgage current and they refused to submit my payment to my bank to deposit and every attempt I make to make a payment it is declined at any location. They are telling me to pay the entire balance off.

Company response to consumer: Closed with explanation