vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To whom it may concern, My name is XXXX XXXX , and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX, and my goal is to maintain the relationship weve built over the last 3 years. I recently pulled my Experian credit report and discovered I have a late payment that was reported on XXXX XXXX for my XXXX XXXX account XXXX XXXX account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my recent medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration, 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 2025-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To whom it may concern, My name is XXXX XXXX , and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX, and my goal is to maintain the relationship weve built over the last 3 years. I recently pulled my Experian credit report and discovered I have a late payment that was reported on XXXX XXXX for my XXXX XXXX account XXXX XXXX account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my recent medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration, 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 2025-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: IA

Complaint narrative:
In late XXXX, I had just returned from XXXX  after doing door-to-door sales. I was in a tough financial spot- in debt, with no steady income, and actively searching for a way forward. That's when I saw an ad for XXXX. The " earn while you learn '' message caught my attention, and I clicked through. 

Shortly after, I recieved a phone call from a XXXX representative. He told me that someone like me - extroverted, a strong communicator - would thrive in tech. I felt seen and excited. He said only 3 % of applicants are accepted into XXXX, which made it feel exclusive and special. I was eager to join. 

He walked me trhough the sign-up process, had me click a ling and sign a few documents, and just like that, I was in. I didn't fully understand the loan agreement at the time, but I trusted the process because it felt like a golden opportunity. 

I started the program immediately and was very engaged at first. But as time went on, I realized that everything they teach - XXXX, XXXX, XXXX, even the more advanced topics- is freely available online. There's nothing in the curriculum that justifies the {$10000.00} price tag. 

The mentorship they promised felt overstated. There are XXXX  Q & A sessions and some feedback on assignments, but it's minimal and the kind of structured guidance I expected. 

As I dug deeper, I saw concerning posts about the CEO and had questionable interactions myself. I also discovered that the CEO attempted to purchase or take control of a XXXX forum where former students were sharing concerns about the program. This felt like an effort to suppress criticism and control the narrative, rather than address the issues being raised. It further confirmed my belief that the program prioritizes marketing optics over genuine student outcomes. 

The whole thing started to feel less like a school and more like a sales funnel into a high-interest loan. I now believed I was misled and scammed into signing a loan agreement for a program that didn't deliver on its promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX ( XXXX ) with lates reported as XXXX XXXX late in August 2019, XXXX XXXX late in XX/XX/year>, and XXXX XXXX late in XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX with lates reported as XXXX days late in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ; and XXXX CARD ( XXXX ) with lates reported as XXXX XXXX late in XXXX XXXX, XXXX XXXX late in XX/XX/year>, and XXXX XXXX late in XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. 

I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A fraudulent account is being reported on my credit file without my knowledge or consent. I did not authorize, open, or engage with the creditor listed, and I have never had any financial dealings with them. This reporting is entirely inaccurate and continues to harm my credit standing.

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 2025-08-08 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
The credit bureau 's shows this account as " last reported '' on XX/XX/XXXX, but the account was actually closed in XXXX. Updating the date to make it appear newer is inaccurate and violates the FCRA by re-againg the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
The credit bureau 's shows this account as " last reported '' on XX/XX/XXXX, but the account was actually closed in XXXX. Updating the date to make it appear newer is inaccurate and violates the FCRA by re-againg the account.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
LiftFund Hard Inquiry ( XX/XX/year> ) : On XX/XX/year>, a hard inquiry from XXXX appeared on my TransUnion credit report without my clear authorization. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry is only permitted if there is a legitimate business need and full consumer consent. I was not properly notified that my credit would be hard-pulled, and I did not give clear, written authorization.

Pursuant to FCRA 611, I am formally disputing this inquiry and requesting that it be deleted within the required 30-day timeframe however, I ask that this matter be expedited and resolved within 4 business days due to the unauthorized nature of the inquiry and its impact on my credit profile.

Early Warning Systems Disputing Bank Account Reports : I am disputing negative or inaccurate information being reported by Early Warning Systems ( EWS ) concerning the following closed accounts : XXXX XXXX Account ending in XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX  XXXX XXXX Account ( account number unknown ) Under FCRA XXXX & XXXX ( b ), consumer reporting agencies must maintain accurate and verifiable information. These accounts were either closed in good standing or are being misreported. If these records can not be verified by the reporting financial institutions, I request immediate deletion under FCRA 611 ( a ).

Failure to correct or remove inaccurate, outdated, or unverifiable information may result in legal action under FCRA 616 and 617, which provide for damages in cases of willful or negligent noncompliance.

Please investigate and respond promptly. I request written confirmation of the results of this dispute and removal of all unauthorized or inaccurate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
I have sent XXXX letters ( dated XX/XX/year>, XX/XX/year> & XX/XX/year> ) to Experian about accounts being reported inaccurately and I have received no responses from Experian. XXXX item was removed ( XXXX XXXX XXXX XXXX XXXX * ) after the first letter. XXXX things were removed after the second letter ( 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and I am writing this report because there are several unauthorized accounts on my consumer report. These are false and hindering me and my credit score. Please have these removed i need help. As i have tried to resolve this with the three major credit agencies ( Transunion, Experian, Equifax ) and they refuse to investigate this. I have addressed the accounts here please help. Also there are inaccurate names and addressed on my consumer report. Which i also listed here. Incorrect Names : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and I am writing this report because there are several unauthorized accounts on my consumer report. These are false and hindering me and my credit score. Please have these removed i need help. As i have tried to resolve this with the three major credit agencies ( Transunion, Experian, Equifax ) and they refuse to investigate this. I have addressed the accounts here please help. Also there are inaccurate names and addressed on my consumer report. Which i also listed here. Incorrect Names : XXXXXXXX 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

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 2025-08-08 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: TX

Complaint narrative:
I have filed dozens of Disputes with this company. Company keeps sending back my disputes without doing the proper investigation or reinvestigation into my disputes. Company has been reporting inaccurate, false credit, and misleading credit information that has caused harm to myself. According to the Consumer Financial Protection Bureau ( CFPB ) and the Fair Credit Reporting Act ( FCRA ), and the lawsuit against said company have been proven about their practice which have cause harm to millions of Americans. 

EXPERIAN, ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) AND THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) YOU ARE IN TOTAL VIOLATIONS OF MY RIGHTS. YOU ARE PRODUCING INACCURATE, FALSE CREDIT, AND MISLEADING REPORTS THAT WILL CAUSE HARM TO MYSELF. SUCH A VIOLATION WILL LEAD TO BOTH CIVIL AND CRIMINAL PENALTIES AGAJNST YOU. PLEASE REMOVE IMMEDIATELY.

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 2025-08-08 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX  announced a data breach that exposed the personal and financial information of millions of individuals, including mine. As a result of this breach, beginning in XXXX and continuing through XXXX, fraudulent accounts were opened or attempted to be opened in my name without my authorization. Some of these accounts include those listed by XXXX and XXXX XXXX, which are reflected on my credit reports. 

Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission and disputed the fraudulent accounts with the credit reporting agencies. Despite my actions, the disputed accounts have remained on my credit reports, affecting my creditworthiness and causing ongoing emotional distress and financial harm. 

XXXX  was notified of the situation and provided with documentation, but has not resolved the issue by fully investigating, blocking, or deleting the fraudulent accounts as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ). I am requesting the immediate removal of these fraudulent accounts and a full investigation into XXXX XXXX handling of my personal data and subsequent disputes. 

Please find attached a copy of my ID, FTC Complaint, XXXX  confirming I was apart of the Data Breach, etc

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 2025-08-08 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: IL

Complaint narrative:
Inaccurate account information being furnished and reported. Multiple violations of the FCRA. Maximum accuracy is not being maintained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX disputing a debt they reported under my name for the amount of {$640.00}, account number XXXX. In this letter, I formally requested full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including proof of authorization to collect, the original signed contract, a complete accounting of the debt, and the name/address of the original creditor. 
The company received my letter on XX/XX/year>, at XXXXXXXX XXXX in XXXX, DE, as confirmed by XXXX tracking number XXXX. 
To date, I have not received any of the requested documentation, which is required by law before continuing any collection activity or reporting to credit bureaus.

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 2025-08-08 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: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I went into the Chase branch near me and explained that the XXXX pass subscription fee that was coming out my account was not of my doing. Chase blocked my debit card and issued me a new card despite this the same thing keeps happening. Sometimes the charges are multiple times a month. I have been trying to figure out why money is being charged and now know this has been happening since XXXX. I do not know what the subscription is but I do know I never consented to the charge. Because the money comes out so rapidly it causes the account to go into overdraft because the money I thought was there isnt due to this constant subscription fee. I would like Chase to block the fee from coming out. The CFPB should investigate XXXX for fraud because I contacted the company through instant messaging and they stated that I wouldnt be charged again but clearly theyve been taking money since XXXX.

Company response to consumer: Closed with explanation