vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
I purchased a class. I changed my mind within 7 days they send a form to fill out. I filled in t out. It was strange no email returned that form was filled out. I emailed XX/XX/XXXX cancellation. Email. Front end solutions uses climb as their lender. Front end solutions emailed me back that they endorsed my request of cancellation. I also called climb to try to forward my emails of cancellation. They have no emails from consumers. I emailed back front end for follow up on the cancellation, they gave me the run around to talk to a counselor for the course I dont want to take against my will. I responded no and please send me a copy of the cancella lotion form and resent them the email that they endorsed my cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and XXXX XXXX ( a subsidiary of Experian ) for denying me a loan based on a vague and unsubstantiated reason : no credit file. I have had multiple loans with XXXX in the past and recently applied again. This time, I was denied, and neither XXXX nor XXXX has been able to provide a clear explanation of what no credit file means. 

I requested my credit report from XXXX, but it does not reflect any issue that would justify the denial, nor does it contain sufficient information to support the decision. Additionally, I have been unable to access my credit score from Experian across multiple platforms, including third-party lenders, despite there being no freeze or block on my file. 

I am requesting that the CFPB investigate the reporting and decision-making process used by both XXXX  and XXXX, and ensure that I am provided with a full, written explanation of how the decision was made, what data was used, and why my credit information is not accessible through Experian or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/scrub>/25, Discover received a formal dispute under 15 U.S.C. 1681 regarding inaccurate account reporting. The dispute identified specific errors and requested corrections or deletion. However, Discover did not meet its obligations to investigate, review relevant information, or correct/delete inaccurate data as required by 1681s-2 ( b ). The continued inaccurate reporting has harmed my credit profile. See attachment for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-24 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: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Clarity Debt Resolution, Inc
State: TX

Complaint narrative:
XX/XX/year> Contract signed, read documents and invoked Right To Cancel within 3 days on XX/XX/year> XXXX : Called Compliance Manager XXXX XXXX XXXX who then referred me to Cancellation department at XXXX XXXX : Called XXXX went to voice mail, received call back at XXXX from this number and spoke to XXXX, after explaining the choice to cancel, he claimed that the 2 contracts were never started and therefore he was " unable '' to provide in writing via email or otherwise that the cancellation request was received but he would contact the " Concerns '' department to provide us with the request for something in writing. 
Being unsatisfied with the way that call ended, my wife called located through the website at XXXX Called XXXX and spoke to a XXXX XXXX who then transferred her back to the same " Customer Service XXXX department and spoke further to XXXX XXXX XXXX was able to locate the account contract for XXXX XXXX and cancel the contract, also indicating that she would cancel the XXXX XXXXXXXX XXXX so that payments would not get drafted. However, when that part was complete, we had to get transferred again to " XXXX '' who informed us that he would cancel both contracts and send us an email to provide confirmation. This whole phone was a 22 minute call. It is now XXXXXXXX XXXX and we do not have the email confirmation. 
XX/XX/year> XXXX XXXX attempted to withdraw {$1500.00} from bank account. This amount would have matched to the account under XXXX XXXX. 
XX/XX/year> Company called my bank to request POA documents to pull funds from my bank account XX/XX/year> XXXX called cust services XXXX two times was left on hold and told to call back, XXXX time I left a voice mail. Have yet to hear back from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
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!

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am the sole account holder on an auto loan with XXXX XXXX XXXX. Since the beginning of the loan, my wife had been making the monthly payments from her own separate bank account. Unfortunately, in XX/XX/year>2025, multiple payment attempts from her account failed due to insufficient funds an issue I was not made aware of until it triggered a XXXXday delinquency and appeared on my credit report. 

As soon as I became aware of the issue, I took immediate action. I brought the account current with XXXX payments ( on XX/XX/XXXX and XX/XX/XXXX ). I also activated autopay to prevent this from happening again. While the funds are still coming from my wifes account temporarily, I am in the process of transferring full payment responsibility to my personal bank account so that I retain direct control and oversight going forward. 

I submitted a formal goodwill adjustment request to XXXX XXXX XXXX. I was not disputing the accuracy of the reporting I was asking for reasonable discretion based on my record : I have maintained a XXXX year flawless credit history with no previous missed or late payments. This was an isolated, externally caused event that was resolved promptly, with preventive steps taken to ensure it will never happen again. 

Despite multiple respectful and well-documented attempts to work with the credit union , they refused the request outright, citing a blanket internal policy that they do not offer goodwill or courtesy adjustments. Their responses were polite but formulaic there was no consideration of the specific facts, my perfect record, or the long-term harm this single event has caused me. 

As a business owner, my credit profile directly impacts my financial reputation, access to lending, vendor relationships, and long-term planning. While my score may eventually rebound, this single mark creates a lasting blemish on what was an otherwise impeccable credit history one I have spent decades building. 

Whats most concerning is that XXXX XXXX XXXX a member-based institution refused to apply any human judgment in a situation that clearly warranted it. This wasnt about negligence, habitual missed payments, or irresponsibility. This was a single payment failure caused by a third-party account, corrected immediately, and followed by permanent preventive actions. 

I am requesting that the CFPB review how this situation was handled and ensure that lenders especially credit unions do not hide behind rigid policies when the facts, context, and consumer integrity clearly call for a fair and individualized resolution.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am the sole account holder on an auto loan with XXXX XXXX XXXX. Since the beginning of the loan, my wife had been making the monthly payments from her own separate bank account. Unfortunately, in XX/XX/year>2025, multiple payment attempts from her account failed due to insufficient funds an issue I was not made aware of until it triggered a XXXXday delinquency and appeared on my credit report. 

As soon as I became aware of the issue, I took immediate action. I brought the account current with XXXX payments ( on XX/XX/XXXX and XX/XX/XXXX ). I also activated autopay to prevent this from happening again. While the funds are still coming from my wifes account temporarily, I am in the process of transferring full payment responsibility to my personal bank account so that I retain direct control and oversight going forward. 

I submitted a formal goodwill adjustment request to XXXX XXXX XXXX. I was not disputing the accuracy of the reporting I was asking for reasonable discretion based on my record : I have maintained a XXXX year flawless credit history with no previous missed or late payments. This was an isolated, externally caused event that was resolved promptly, with preventive steps taken to ensure it will never happen again. 

Despite multiple respectful and well-documented attempts to work with the credit union , they refused the request outright, citing a blanket internal policy that they do not offer goodwill or courtesy adjustments. Their responses were polite but formulaic there was no consideration of the specific facts, my perfect record, or the long-term harm this single event has caused me. 

As a business owner, my credit profile directly impacts my financial reputation, access to lending, vendor relationships, and long-term planning. While my score may eventually rebound, this single mark creates a lasting blemish on what was an otherwise impeccable credit history one I have spent decades building. 

Whats most concerning is that XXXX XXXX XXXX a member-based institution refused to apply any human judgment in a situation that clearly warranted it. This wasnt about negligence, habitual missed payments, or irresponsibility. This was a single payment failure caused by a third-party account, corrected immediately, and followed by permanent preventive actions. 

I am requesting that the CFPB review how this situation was handled and ensure that lenders especially credit unions do not hide behind rigid policies when the facts, context, and consumer integrity clearly call for a fair and individualized resolution.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am the sole account holder on an auto loan with XXXX XXXX XXXX. Since the beginning of the loan, my wife had been making the monthly payments from her own separate bank account. Unfortunately, in XX/XX/year>2025, multiple payment attempts from her account failed due to insufficient funds an issue I was not made aware of until it triggered a XXXX-day delinquency and appeared on my credit report. 

As soon as I became aware of the issue, I took immediate action. I brought the account current with XXXX payments ( on XX/XX/XXXX and XX/XX/XXXX ). I also activated autopay to prevent this from happening again. While the funds are still coming from my wifes account temporarily, I am in the process of transferring full payment responsibility to my personal bank account so that I retain direct control and oversight going forward. 

I submitted a formal goodwill adjustment request to XXXX XXXX XXXX. I was not disputing the accuracy of the reporting I was asking for reasonable discretion based on my record : I have maintained a XXXX year flawless credit history with no previous missed or late payments. This was an isolated, externally caused event that was resolved promptly, with preventive steps taken to ensure it will never happen again. 

Despite multiple respectful and well-documented attempts to work with the credit union , they refused the request outright, citing a blanket internal policy that they do not offer goodwill or courtesy adjustments. Their responses were polite but formulaic there was no consideration of the specific facts, my perfect record, or the long-term harm this single event has caused me. 

As a business owner, my credit profile directly impacts my financial reputation, access to lending, vendor relationships, and long-term planning. While my score may eventually rebound, this single mark creates a lasting blemish on what was an otherwise impeccable credit history one I have spent decades building. 

Whats most concerning is that XXXX XXXX XXXX a member-based institution refused to apply any human judgment in a situation that clearly warranted it. This wasnt about negligence, habitual missed payments, or irresponsibility. This was a single payment failure caused by a third-party account, corrected immediately, and followed by permanent preventive actions. 

I am requesting that the CFPB review how this situation was handled and ensure that lenders especially credit unions do not hide behind rigid policies when the facts, context, and consumer integrity clearly call for a fair and individualized resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. CXXXXe XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. XXXXb, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

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. CXX/XX/XXXXe XXXXXX/XX/XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

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. CXX/XX/XXXXe XXXXXX/XX/XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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