vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-18 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There are so many reports online about Citi having poor customer service. 
I experienced it myself. 

First, tried to use Citi Mastercard purchase protection for shirts after they were damaged in my laundry. I opened the claim number XXXX and received a request to file a damage claim with the delivery carrier (! ). Absolutely nothing to do with delivery, they didn't even read the claim. Then, after my complaint, they denied saying they don't cover damages from fluids. Again, I never said it was a fluid that caused the issue, to me it was the temperature that shrank the shirts. They closed the claim as denied. Useless benefit, it's there just for marketing purposes and trick customers. 

Second, I have points I need to transfer. However my card uses a shorter version of my last name. To transfer points it must match my whole ID/passport name. I already faxed the information twice with all requested information including a copy of my ID, several weeks ago. It has never been updated, and customer service is useless, they can't do anything, they can't escalate for anyone to check. By the way, the online chat representative was taking at least XXXX minutes to send any reply to my question, and at the end could not help at all. 

Very poor service, I don't know how would anyone choose Citi for their banking needs. Citi is well known online for having very poor IT and overall service. That is true.

I will only use this card for the remaining of the annual fee paid, and will close it.

Citi ( and XXXX  protections ) provide very low quality ( or fake, actually ) service.

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 2025-11-18 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-11-18 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: AZ

Complaint narrative:
I submitted a dispute to Equifax on inaccurate and contradictory information being reported on multiple closed accounts, including XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. 

These tradelines contain numerous factual inaccuracies including : Late payments being reported after the account was closed Conflicting reporting such as Paid and Closed while also showing Charge-Off, Foreclosure, Repossession, and Collection Account Narrative codes that contradict the account status High credit amounts that do not match the account type Delinquency dates that do not match the payment history Charge-off codes with a {$0.00} balance Mortgage/timeshare codes that do not apply These errors violate the requirement for maximum possible accuracy under 15 USC 1681e ( b ).

Equifax stated the accounts were verified, but did not provide documentation or an explanation of the method of verification.

Additionally, under 15 USC 1681b ( a ) ( 2 ), I never provided written authorization for some of these furnishers to access or report my consumer information. If Equifax can not obtain a signed authorization, the reporting is unlawful. 

I am requesting a proper reinvestigation because the previous response was inadequate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account across the three credit bureaus : Equifax, XXXX, and TransUnion. The account in question is related to XXXXXXXX XXXX which I believe is being reported incorrectly or incompletely, potentially due to data entry errors or other discrepancies. 

CHARGED OFF Equifax ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Account Open Date : XX/XX/year> Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
In XX/XX/year>, I informed OneMain Financial that I had lost my job and could not make payments. They continued calling me, asking me to set up a new payment, but I did not agree to any payment arrangement. I did not authorize any new ACH withdrawals. 

On XX/XX/year>, OneMain Financial debited my bank account by ACH for {$310.00} without my authorization. I did not approve this payment, did not schedule a payment, and did not give consent for this withdrawal. Their online system shows AutoPay as On, but it does not allow me to turn it off or remove my bank information.

After the unauthorized debit occurred, I emailed my local OneMain branch and revoked ACH authorization in writing. I also contacted my bank because the debit was unauthorized. 

I am requesting that this unauthorized payment be addressed, that my funds be returned, and that OneMain remove AutoPay and stop all future ACH attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am filing this complaint to address inaccurate, unverifiable, and unauthorized information reported on my Equifax credit report. I respectfully request immediate correction or removal of the following accounts. 

1. Charged Off Disputed The following accounts have been reported incorrectly or are unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are disputed due to inaccuracies and lack of proper verification. 

XXXX. Inquiries Disputed The following inquiries were made without my consent and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Positive Accounts There are no issues with positive accounts at this time. 

4. Late Payment Disputed The following late payments are inaccurately reported and need to be verified or removed : 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 2025-11-18 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: VA

Complaint narrative:
Experian, I am disputing the following accounts due to inaccuracies that I believe are affecting my credit standing. These accounts are being reported incorrectly, and I request immediate action to investigate and correct the information. 

Charged Off Accounts : Bankruptcy Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00}

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 2025-11-18 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: VA

Complaint narrative:
THIS ACCOUNT IS UNAUTHORIZED AND SHOULD NOT APPEAR ON MY RECORD.

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 2025-11-18 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: CA

Complaint narrative:
I am submitting this complaint because my Experian credit report contains numerous questionable and possibly duplicate entries, particularly from XXXX, XXXX, and collection agencies. Many of these accounts show very small, inconsistent amounts and have identical reporting dates. I have never opened multiple simultaneous accounts with XXXX, nor have I authorized duplicate listings of the same debt. I am also seeing accounts that show a {$0.00} balance but are still marked charged off, which is contradictory. In addition, there are several credit inquiries I do not recall authorizing. I respectfully request that Experian verify the accuracy of each account listed, confirm whether the debts are legitimate and properly assigned, and remove any unverifiable or duplicated data. 

Accounts in Dispute Charged Off / Collection Accounts Multiple 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all show small, inconsistent balances and duplicate reporting periods ( XX/XX/XXXX XX/XX/XXXX ). 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both show {$0.00} balance but are still reported as charged off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} please confirm this is not obsolete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX balances of {$1800.00} and {$6900.00}, respectively ; ownership verification requested. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} verify reporting accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} confirm whether account is accurately reported. 

Inquiries to Review XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Some of these may not have been authorized or may have expired under permissible purpose timeframes. Please confirm validity under FCRA 604.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX XXXX NC Phone NumberEmail XXXX OneMain Financial ( Insert the branch or corporate mailing address ) Re : Formal Dispute & Cease Communication NoticeAccount Number : XXXX To Whom It May Concern : I am formally disputing the accuracy, completeness, and verifiability of the information being furnished by OneMain Financial regarding the above-referenced account. This notice is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

1. DISPUTE UNDER 15 U.S.C. 1681 ( FCRA ) I dispute the reporting of Account No. XXXX because the information being furnished is inaccurate, incomplete, and/or can not be verified.Under 15 U.S.C. 1681i ( a ), you are required to : 1. Conduct a full reinvestigation of this account. 
2. Provide written results of your reinvestigation.

3. Delete or correct all inaccurate or unverifiable information. 
4. Notify all consumer reporting agencies to which you provide data of any corrections or deletions. 
Please complete your reinvestigation within 30 days, as required by federal law. 

2. CEASE COMMUNICATION UNDER 15 U.S.C. 1692c ( c ) ( FDCPA ) This serves as my written request that OneMain Financial and any collection agents acting on your behalf cease all communication with me, except where specifically permitted under federal law. 
Under 15 U.S.C. 1692c ( c ), once written notice is received, you may only contact me : 1. To confirm that further communication will cease ; or 2. To notify me of specific legal actions you intend to take.

You are instructed to STOP all : * Phone calls * Text messages * Emails * Workplace contacts * Third-party contacts All allowed communication must be in writing only and mailed to my address listed above.

THIS LETTER IS NOT A REFUSAL TO PAY NOR AN ADMISSION OF LIABILITY.

It is a lawful request for correction of inaccurate information and an assertion of my federal rights under the FCRA and FDCPA.

Thank you for your prompt compliance. I expect written confirmation of your reinvestigation and acknowledgment of my cease-communication request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
I am filing this complaint because multiple accounts on my TransUnion credit report are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these items with TransUnion, but they continue to appear with conflicting dates, unverifiable data, improper remark codes, and what appears to be re-aging of delinquency dates. I am requesting the CFPBs assistance in forcing the furnishers and TransUnion to correct or delete this inaccurate information. 
These inaccurate accounts are significantly suppressing my credit score and directly affecting my ability to obtain housing, credit, and essential financial opportunities. 

I have followed the dispute process with TransUnion, but they have failed to correct or delete these inaccuracies. I am requesting the CFPBs assistance to compel : 1. TransUnion to conduct a reasonable reinvestigation 2. All furnishers to provide complete, documented proof of the reported information 3. Deletion of any item they can not fully verify, per FCRA 611 ( a ) ( 5 )

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DISPUTE THIS ACCOUNT AS IT WAS NOT CREATED BY 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts reported on my Experian credit report. I believe these accounts are reported inaccurately, and I request that they be investigated and corrected : XXXX XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Climb Credit Inc.
State: NM

Complaint narrative:
I am disputing the validity of a loan with Climb Credit that should never have been activated under the terms of my XXXX agreement. Climb Credit is attempting to collect a debt without providing required validation and is misrepresenting the contractual obligations. 


I enrolled in XXXX and signed an agreement that required repayment only if ( 1 ) I earned more than {$40000.00} annually, or ( 2 ) I was placed in qualifying employment. I withdrew from XXXX in XX/XX/year> and did NOT reach the income threshold and was never placed. 

XXXX sent me written confirmation stating : I withdrew before placement My repayment obligation was never triggered They requested Climb Credit to release me from the loan Despite this, Climb continues to attempt collection while refusing to provide : Any documentation showing income verification Any proof that repayment conditions were triggered Any legal basis for loan activation Climb is improperly stating that XXXX must issue a refund, but XXXX is foreclosed and dissolved and can not issue refunds. This is not a refund situation ; it is a non-activation situation. 

Climb is attempting to collect a debt that was never legally triggered and has not validated the debt when requested, in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Cease and Desist from Harassment and Dispute of Account Reporting Dear XXXX XXXX Customer Service / Collections Department, I am writing to formally demand that XXXX XXXX cease and desist all harassing communications regarding the account previously associated with my service. I am aware that my account has been turned over to Harris & Harris for collections ; however, XXXX XXXX continues to contact me directly despite my explanations regarding my financial situation and prior payment arrangements. 

To summarize : I was on a payment agreement with XXXX XXXX prior to ending my service. 
Due to circumstances beyond my control, including excessive utility costs and financial hardship during winter 2024, I was unable to maintain my prior payment schedule. 
I had to relocate due to rising utility costs and rent obligations, which XXXX XXXX did not consider or accommodate. 
Despite my willingness to pay when feasible, I have been subjected to repeated and unwarranted calls from XXXX XXXX, which constitutes harassment. 
This debt is now in collections with Harris & Harris, yet XXXX continues to contact me and has negatively affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am disputing several accounts that are inaccurately reported. I request that the following accounts be immediately investigated and corrected to reflect my true credit history. 

Charged Off Accounts : No charged off accounts listed for dispute on Experian. 

Inquiries 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 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