vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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:
I received a letter in the mail stating that my ssn number has been compromised in a data breach I have been complaining for months about these accounts on my profile that I am a victim of identity fraud! And no changes have been made I have reported to transunion and no changes have be made.

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 2025-09-07 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: Climb Credit Inc.
State: WA

Complaint narrative:
Climb Credit got way ahead of themselves and lied. I applied for a private school loan but they never verified that I was registered or attending that school. But then after 90 days they contacted me to tell me I was late on paying the loan back. I never even talked to the administration to attend that school. I put a guess on the start date in the application cause I had never talked to them before I applied for the loan. I contacted them several times that they messed up. That i want attending that school or even registered. But Climb lied and said XXXX XXXX called. Climb isn't suppose to send anything until they know I'm registered and attending. This company is in a big law suit right now for doing things like this along with helping graduates find work. I've got proof that sending money before they know that person is suppose to be days after the class starts. I wasn't even in the same city when it started cause I moved because if relationship problems I had gotten. 
They never informed me at any time before that sent the 90 days overdue bill. But by then they should've known I wasn't registered or attending any class at XXXX XXXX way before I got that notice. There trying to bill me anyways. I believe the did this on purpose cause XXXX XXXX got nothing from them of this loan at all. They even said they've done this before to other people. I'm not the only XXXX they've done this to. As a matter of fact I'm trying to contact the lawyers office that has won a case but Climb couldn't pay in the law suit. It's proof that Climb is a Crooked company with bad ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
car was reposessed. 
Tried to contact loan company and make payment that day. 
The company refused to accept payment. 
Then requested items in car. 
company failed to provide information regarding location of items, list of items or even the lot the car was in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my vehicle was repossessed from me back in 2005 Wells Fargo mentioned to me that they wouldnt take any more payments from me until I pay the car note in full. I didnt have the XXXX so they said that I would have to give them the car back since they werent willing to work with me and they would no longer take any more payments. Come to find out that is illegal and they gave me false information.

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 2025-09-07 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: FL

Complaint narrative:
Account in Dispute : XXXX  I am formally disputing the reporting of the above-referenced account. This account is being reported on my credit file without my knowledge, authorization, or consent, which makes the reporting unlawful.

Under 15 U.S.C. 6802 ( GrammLeachBliley Act ), financial institutions are expressly prohibited from disclosing or sharing a consumers nonpublic personal information with third parties, including credit reporting agencies, without that consumers explicit consent. At no time have I provided XXXX or any affiliated entity authorization to disclose or furnish this account information to your bureau.

Your continued reporting of this account violates both : 1. GLBA ( 15 U.S.C. 6802 ) by disclosing my personal financial information without consent.

2. FCRA ( 15 U.S.C. 1681e & 1681i ) which requires consumer reporting agencies to ensure maximum possible accuracy and conduct proper reinvestigations of disputed information.

Accordingly, I am demanding : 1. Immediate deletion of the XXXX account from my credit file.

2. Written confirmation that this account has been permanently removed.

3. A copy of any records you claim demonstrate my consent to this reporting, if such records exist.

If you can not provide such evidence, you must delete the account immediately. Failure to do so will constitute willful noncompliance under the FCRA and a violation of GLBA, which may result in statutory damages, actual damages, and further legal action.

This is a formal dispute. I expect your response within 30 days, as mandated by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
Account in Dispute : XXXX  I am formally disputing the reporting of the above-referenced account. This account is being reported on my credit file without my knowledge, authorization, or consent, which makes the reporting unlawful.

Under 15 U.S.C. 6802 ( GrammLeachBliley Act ), financial institutions are expressly prohibited from disclosing or sharing a consumers nonpublic personal information with third parties, including credit reporting agencies, without that consumers explicit consent. At no time have I provided XXXX or any affiliated entity authorization to disclose or furnish this account information to your bureau.

Your continued reporting of this account violates both : 1. GLBA ( 15 U.S.C. 6802 ) by disclosing my personal financial information without consent.

2. FCRA ( 15 U.S.C. 1681e & 1681i ) which requires consumer reporting agencies to ensure maximum possible accuracy and conduct proper reinvestigations of disputed information.

Accordingly, I am demanding : 1. Immediate deletion of the XXXX account from my credit file.

2. Written confirmation that this account has been permanently removed.

3. A copy of any records you claim demonstrate my consent to this reporting, if such records exist.

If you can not provide such evidence, you must delete the account immediately. Failure to do so will constitute willful noncompliance under the FCRA and a violation of GLBA, which may result in statutory damages, actual damages, and further legal action.

This is a formal dispute. I expect your response within 30 days, as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX COLLECTION ACOUNT # XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 
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

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 2025-09-07 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX COLLECTION ACOUNT # XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau 1700 G street NW, XXXX DC XXXX Dispute of Credit Report Entry Negligent Non-Compliance * * Dear Consumer Financial Protection Bureau, I am writing to formally dispute an entry on my credit report that I believe has been incorrectly reported and is causing undue harm to my credit score. After reviewing my credit file, I have identified a discrepancy that requires immediate attention. 

The specific entry in question pertains to \ [ Account Name/Number or Creditor Name ]. I believe this entry falls under negligent non-compliance and may be inaccurately reflecting a liability that does not reflect the true status of my account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal or correction of any inaccurate or outdated information, and this matter seems to fall into that category. 

Details of Dispute : Account Name/Number : XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX BANK NA Date of Issue : XX/XX/year> Nature of Discrepancy : Incorrect information, such as wrong balance, late payments, or/and account status. 

Reason for Dispute .. I assert that this reporting does not accurately reflect my credit obligations and has not been handled in accordance with proper compliance protocols. 

In accordance with the FCRA, I kindly request that you investigate this matter, review the supporting documents I am providing, and correct or remove this inaccurate information from my credit report. 

If there are any further documents required to resolve this dispute or if you need additional clarification regarding the nature of my dispute, please feel free to contact me directly. I expect a response to this dispute within XXXX days of receipt, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXXXXXX XXXXXXXX XXXXXXXX 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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
On XXXX third of this year I was attempting to make my monthly payment as agreed with Lloyd and McDaniel LLC for my XXXX XXXXXXXX account. I had for the last XXXX months made an ACH payment as agreed upon on time. My payment was not accepted as they had without any explanation or notification changed their payment portal to checks only. All my banking is done online through XXXX bank. I filed an electronic complaint to the company and received a phone call on the same day stating that the policy was always check only, which was incorrect given my payment history. I was told that my feelings were noted and suggested I open a new bank account to make my payments and they would work with me if I needed time to get the account opened up. Given the fact that my previous payment was acceptable and no notice or articulation was given regarding the change, I find myself in a difficult situation. Non payment would allow them to seek garnishment for a second time regarding this debt after agreement was made and followed by me. The lack of transparency and log of complaints filed against this company speak volumes of their predatory collection practices. The initial contact from this company regarding this debt was not by phone call, email or postal service, but by a sheriff deputy serving me court papers. I have been compliant and flexible with them up to this point but this matter is beyond belief. Also there was no disposition as to how they handled the storage and or removal of my bank account information and if the deletion was secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NV

Complaint narrative:
Issue : Incorrect information on credit report failure to correct or delete unverifiable data. 
Law cited : FCRA XXXX ( Reinvestigation of disputed information ). 

Complaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Issue : Incorrect information on credit report failure to correct or delete unverifiable data. 
Law cited : FCRA XXXX ( Reinvestigation of disputed information ). 

Complaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA 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 non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC XXXXB and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: PA

Complaint narrative:
Dear CFPB I am filing this complaint against Equifax, for reporting inaccurate, unverifiable, and duplicate information in violation of the Fair Credit Reporting Act ( FCRA ) 1681i.

Despite my certified mail disput
es on 07/03/25 the bureaus have continued to report : 1 Wrong names, addresses, and employers 2 Collections and charge-offs that can not be verified with original contracts 3 Paid/closed accounts that are still marked negatively - Unauthorized inquiries Attached to this submission are : 1. Cover Letter CFPB & FTC Complaint Submission 2. Complaint Package ( containing Equifax, dispute packages with highlighted evidence ) 3. Supporting evidence ( credit bureau responses, ID verification, certified mail receipts )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Credit Karma, LLC
State: CA

Complaint narrative:
I am writing to report an unauthorized change to my Credit Karma account. On XX/XX/XXXX, I received an email stating that my email and password had been changed. I was immediately locked out of my account and could no longer access it. 

I contacted Credit Karma 's support team via the online chat feature to report that my account had been compromised. During this time, an unauthorized loan application was also submitted under my name. I requested that Credit Karma delete the account to prevent further fraudulent activity, but my request was refused. 

I urge you to take immediate action to investigate this matter, secure my personal information, and resolve the unauthorized activity on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am disputing these accounts/ information because my personal data was illegally accessed during the recent XXXX data breach. I did not these accounts, inquiry, and or addresses, and it is the result of identity compromise. Please investigate this matter, remove this inaccurate information, and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX is reporting an account that has been fraudulently opened and/or used in my name without my knowledge, authorization, or consent. I did not open or authorize this account, and I have never received any benefit from it. This unauthorized activity has caused serious harm to my credit profile. I am submitting this FTC Identity Theft Report to dispute the accounts with the credit reporting agencies and to request that they be permanently blocked and deleted under 15 U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), which requires deletion of identity theft-related items within XXXX ( XXXX ) business days of receiving this report and proper documentation. I am also requesting that the credit bureaus send me a written confirmation once the fraudulent accounts have been 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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Account name TRANSWORLD SYSTEMS INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$600.00} Highest balance - Terms 1 Month On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tennessee Credit Management, Inc
State: MS

Complaint narrative:
In XXXX of XXXX, I began receiving phone calls regarding this debt. I told them to send me a notice and I will begin making payments. I never received the notice and honestly forgot about it until I noticed it on my credit report in XXXX. I called them once again and told them that I will begin making payments once I receive a notice. At this point, they inform me that I owe over {$1000.00} more than what shows on my credit report. I am not paying this company until they prove to me what I owe and why I owe it.

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 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX is attempting to bill me a total of {$220.00} for medical equipment that I did not order or authorize. 
Their most recent statement shows a past due balance of {$170.00} directly with XXXX. 
In addition, they have already placed {$52.00} of that balance with XXXX XXXX XXXX XXXX XXXX ( XXXX ) for outside collection. 

This debt is invalid because : The merchandise was unordered XXXX shipped medical parts without my request or authorization. 
I returned the device they supplied, so no balance should exist. 
Despite this, XXXX continues to send me collection letters and phone calls directly, while XXXX is also contacting me by calls and text messages. This is duplicative, harassing, and unlawful.

Company response to consumer: Closed with explanation