vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 

Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : Creditor XXXX : XXXX XX/XX/XXXX TransUnion Creditor XXXX : XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-11-25 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
tickets were never used asked for a refund I was given the run around

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I experienced multiple unresolved issues with American Express and was unable to access any functional complaint or escalation pathway. 

XXXX. Missing Points Transfer ( Case XXXX ) On XX/XX/XXXX, I transferred XXXX Membership Rewards points to XXXX XXXX. The points were deducted from my Amex account immediately but never arrived in my XXXX account. 
Amex gave me shifting timelines ( XXXX hours, then 10 days, then 14 days, then 30 days ), but none of these were honored. 
The case was closed around XX/XX/XXXX without explanation or resolution. 
Because the transfer failed, I had to use XXXX Alaska miles to book the same ticket. 

XXXX. Complaint Closed Without Action ( Case XXXX ) On XX/XX/XXXX, I filed a complaint about the lack of transparency and inability to reach a supervisor. 
This complaint was closed the next day with no communication and no resolution. 

XXXX. Card Cancellation Attempt During an Unrelated Inquiry ( XX/XX/XXXX ) On XX/XX/XXXX at about XXXX PT, I called to ask why both cases were closed. When I said I was reconsidering the XXXX XXXX due to the unresolved issues, the agent immediately proceeded to cancel my card. The call disconnected while she was reading disclosures. 
I never received a call back and still do not know whether my card was cancelled. 

XXXX. Additional Account Concerns Later the same day, I received a notification that future charges might be declined after adding {$700.00} to Amex XXXX XXXX XXXX. 
When I called to ask why, I was told my credit limits on XXXX other Amex cards were reduced in XXXX due to a high balance ( which has long been paid in full ). 
I was told these limits could not be raised, even though I have never missed a payment in over XXXX years. 

XXXX. Inability to Access Any Working Complaint or Escalation Channel ( XX/XX/XXXX ) After these issues, I attempted to escalate through all available channels. None were functional : Multiple Amex escalation email addresses bounced back as undeliverable. 
The Make a Complaint feature on the Amex website was unavailable or led to XXXX pages. 
There was no way to submit a formal complaint via secure message. 
Representatives could not provide any working escalation or complaint pathway. 
Supervisors were not available and agents repeatedly said they could only take notes. 

At this point, I have exhausted all internal Amex processes, but I have not received resolution, communication, or access to any functioning complaint mechanism. This appears to be a systemic failure in Amexs complaint-handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-26 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: GA

Complaint narrative:
XXXX. Urgent Legal Pressure Complaint to CFPB Subject : Immediate Action Required Student Loan Cancellation To Whom It May Concern, My name is XXXX XXXX, and I am submitting a formal and urgent complaint regarding a student loan issued through Climb Credit ( Loan Account Number : [ insert number ] ) for enrollment at XXXX. 

I request immediate cancellation and reversal of this loan for the following reasons : XXXX. I have never logged into my Climb Credit account. 
XXXX. I have not received or utilized any educational services or benefits from this loan. 
XXXX. I am enlisting in the military, which makes it impossible for me to participate in the program for which this loan was intended. 
XXXX. Climb Credit refuses to cancel or reverse the loan, despite these facts, creating an unwarranted financial liability. 

This situation is urgent and poses a serious risk to my financial standing and obligations. I request that the CFPB investigate immediately and enforce a full cancellation and return of funds, as the loan has not been utilized. 

Attached are all relevant documents, including correspondence with Climb Credit and XXXX. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Phone Number ] XXXX [ Email Address ] XXXX Submit here :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
i bought a washer and dryer on XX/XX/year> i went back to get a refund on XX/XX/year> the company owner of the washer and dryer sent me back XXXX, so the same day i looked at my checking account and my checking said XXXX so i knew that the refund hit my account, so i put XXXX in my savings, the next day i tried buying something and my card declined i checked my account and it said negative XXXX and change i was wondering how thats even possible then the bank hit me with an overdraft fee so i called and the bank said my refund was pending then i proved to them that it wasnt pending and it had hit my account the same day bc of my XXXX $ transfer to my savings i couldnt possibly put that in my savings if my checkings only said XXXX something. Its a checking account NOT A CREDIT CARD! ITS LITERALLY IMPOSSIBLE i requested a refund for the overdraft fees and they said no so they pulled money that hit my account then said it was pending then hit me with an overdraft fee i told them that this is fraud and bad business practice they didnt care ( this overdraft fee was XXXX $ ) then i asked them if i close my savings account will there be any closing fees they said no so i took out all of my money from my savings account then today i look and it says negative XXXX $ overdraft fee how is that even possible when you cant borrow over the amount in your savings and i asked previously if they would fine me and they said no. theyre stealing my money and i want it back

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 2025-11-25 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: TX

Complaint narrative:
I am extremely upset that these inaccurate late payments are still on my credit report today. I refreshed it repeatedly and nothing changed. I expect the documents I provided to be examined seriously and immediately so I can stop being forced to deal with this problem any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received XXXX notifications that there was a negative credit alert on my account. And when I check my account on Experian it says the XXXX notifications are from JEFFERSON CAPITAL SYST collections which add up to {$9000.00}. I look more into it and it says XXXX but they closed my account at {$2600.00}, I also would never qualify for that much credit so I dont know where all that came from and want an explanation. This is fraudulent and illegal to be impacting my credit especially not knowing where the total amount came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and fraudulent entries on my credit report. These inaccuracies are significantly impacting my creditworthiness and appear to violate the Fair Credit Reporting Act ( FCRA ). 

The specific issues are as follows : XXXX XXXX XXXX XXXXXXXX, CA XXXX This address is incorrectly listed on my credit report. I have never resided at this location, and it should be corrected immediately. 

XXXX XXXX XXXX Listed as a charge-off with a high balance of {$21000.00}, opened on XX/XX/XXXX. I have no knowledge of this account, and I dispute this entry in its entirety. This account should be verified, and if unverifiable, removed from my credit report. 

XXXXXXXX XXXX XXXXXXXX Listed as having a late payment with a high balance of {$0.00}, opened on XX/XX/XXXX. This is incorrect ; I have never made a late payment on this account. I demand the inaccurate history be corrected immediately. 

These erroneous entries have caused, and continue to cause, significant harm to my financial reputation and access to credit. I request that the credit bureaus and involved creditors investigate these items thoroughly, verify their accuracy, and take prompt action to delete or correct all disputed information as appropriate. 

Under the FCRA, I am entitled to a fair and accurate credit report. I expect a written response within 30 days, confirming the resolution of this complaint. 

Please consider this a formal request for immediate investigation and correction of all listed inaccuracies. I also request confirmation of actions taken in writing. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im really confused about what happened with my Citi Strata card. I got approved, sent the documents you asked for right away, was told to wait weeks, and then suddenly the account was closed after just a few days. 
Can someone please explain whats going on? This doesnt seem right.

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 2025-11-25 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: NV

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the furnishers listed below for reporting false, inaccurate, unverifiable, and fraudulent information on my consumer report. These entries are causing direct harm to my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

1. WRONG / INACCURATE ADDRESSES REPORTED The following addresses do NOT belong to me and have never been associated with my identity, residency, employment, or financial activity : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX ADDRESS Reporting addresses that do not belong to me is a direct violation of FCRA 602A, 607 ( B ), and 609, as it shows a failure to maintain maximum possible accuracy and exposes me to identity-theft risk. 

I request immediate removal of all inaccurate addresses from all credit files. 

XXXX. INCORRECT LATE PAYMENT REPORTING ( Requesting Correction ) CRDT FIRST Acct : XXXX * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported as Late Payment This late payment notation is completely inaccurate and false. 
I have never made a late payment on this account at any time. Under my rights granted by FCRA XXXX, I am demanding : A full investigation Verification with documented proof of any alleged late payment Immediate correction and removal of any inaccurate late-payment history Because the account is paid with a {$0.00} balance and has no verifiable delinquency, the negative remark must be corrected. 

XXXX. FALSE CHARGE-OFF ACCOUNT ( Requesting Complete Deletion ) XXXX XXXX Acct XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$40000.00} Status : Charge Off I have no knowledge of this account whatsoever. 
I never opened this account, never authorized it, and never had any relationship with this entity. 

This appears to be a fraudulent or misreported account, violating FCRA accuracy requirements, including FCRA 602A, 605B, 611, and 623.

Since this account can not be verified, I demand : Full investigation Furnishers documentation proving ownership If unverifiable, IMMEDIATE DELETION of this fraudulent charge-off account from all credit bureaus Requested Action I am requesting CFPB to ensure that the furnishers and credit reporting agencies : Remove all incorrect addresses Correct the false late payment reporting Delete the fraudulent charge-off account Provide written confirmation upon completion of the investigation These inaccuracies are damaging my creditworthiness and violate federal law. 

Thank you for your immediate attention. Please update me with all findings and resolutions in writing.

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 2025-11-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
A fraudulent student loan was created in my name without my knowledge or consent. This occurred many years ago through a now-defunct culinary institute in XXXX associated with the XXXX XXXX XXXX programs. Enrollment and loan paperwork were submitted by another individual working with an admissions employee. I did not authorize the loan, did not sign any documents, and was not aware that the account existed until years later. 

This matter was previously investigated by the U.S. Department of Education. After I submitted a fraud report and supporting documentation, the Department of Education fully discharged any obligation in my name. My name was removed from all federal liability because the loan was obtained fraudulently.

Despite this, a collection agency Radius Global Solutions LLC has recently attempted to collect this debt from me. They stated the debt was reassigned to them again in 2025 after having been passed between multiple collection agencies over the years. This debt is not mine, and it was already determined to be fraudulent and discharged.

I have formally disputed the debt with Radius Global Solutions and requested full validation under the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ( b ) ). I requested copies of any documents bearing my signature or identification, proof of my authorization for the loan, and the full chain of assignment. I also informed them that the U.S. Department of Education had already discharged the debt due to fraud.

Because this was identity theft, and because the Department of Education previously removed me from any liability, this collection activity is improper and harmful.

I am requesting CFPB assistance to : Ensure Radius Global Solutions ceases all collection activity.

Require them to provide documentation showing why they believe they can collect this debt, or to close the account if they can not.

Prevent this debt from being resold or reassigned to any other collection agency in the future.

Ensure that any reporting or furnishing of this debt to credit bureaus is permanently blocked or removed. 

Ensure the account is permanently coded as identity theft / fraud. 

This debt has already been proven fraudulent, and I need it removed from any future collection attempts or records associated with my name. 

Thank you for your assistance.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts recently reported by XXXX under my name. While I have had a legitimate account with XXXX in the past, the new accounts and the purchases associated with them are not mine. I did not open these new accounts, authorize any of the transactions, or approve any additional lines of credit. 

XXXX has reported these fraudulent accounts to the credit bureaus, including multiple late payments that I did not incur. These incorrect negative marks have already caused significant harm to my credit score. 

I have attempted to resolve this issue directly with XXXX ; however, the matter remains unresolved. Therefore, I am requesting the CFPBs assistance in having Affirm : Conduct a full investigation into the fraudulent accounts ; Remove the unauthorized accounts and all related negative information from my credit reports ; Cease reporting any inaccurate information while the dispute is under review; and Provide written confirmation once the investigation has been completed. 

Attached are copies of supporting documentation, including : Identification and proof of address Credit report excerpts showing the fraudulent accounts Any correspondence exchanged with XXXX I respectfully request your urgent assistance in correcting these inaccurate and damaging credit entries. 

Thank you for your time and attention. 

Sincerely, 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