vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 2025-06-24 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: IL

Complaint narrative:
This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Climb Credit Inc.
State: TN

Complaint narrative:
I am writing to formally express my deep concerns and dissatisfaction with the practices of Climb Credit, a company that promotes itself as a student loan provider for career training and education. Based on my experience, I believe their operations are deceptive, misleading, and border on predatory lending disproportionately affecting students who are often at a vulnerable stage in their educational or professional journey. 

Misrepresentation of Terms When I first engaged with Climb Credit, I was assured that the loan process was straightforward, affordable, and designed with student success in mind. However, once I was locked into the agreement, I discovered that the terms and repayment conditions were not only obscured in the initial communications but also heavily skewed to favor the lender. Interest rates were exorbitant, prepayment penalties were never clearly communicated, and deferment options were almost nonexistent. 

Aggressive Collection and Lack of Transparency Furthermore, Climb Credit 's communication drastically deteriorated once repayment began. I received vague notices with inconsistent balances and threats of credit damage, even when I was actively trying to resolve payment issues. The lack of a transparent, reliable customer support system made it impossible to navigate my obligations without undue stress and confusion. 

Exploitation of Non-Traditional Education Climb Credit heavily markets itself to students in coding bootcamps, trade schools, and alternative education providers populations often overlooked by traditional financial aid systems. Rather than offering a helpful bridge, Climb Credit exploits this gap by issuing high-interest loans to individuals who may not fully understand the implications or have access to financial counseling.

Request for Action I believe this business model preys on students under the guise of empowerment, when in reality it traps them in cycles of debt with little recourse or relief. I urge relevant regulatory bodies including the Consumer Financial Protection Bureau ( CFPB ) and state financial oversight committees to investigate Climb Credits lending practices for compliance with fair lending laws and consumer protection standards.

Additionally, I request a full review of my loan file, including an immediate halt on collections until this matter is thoroughly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Summary of Complaint Regarding Escrow Overcharges and Forced-Placed Insurance Before Selene Finance acquired servicing of my mortgage loan, I had already paid in full for homeowners insurance, including fire coverage. Despite this, Selene Finance placed their own insurance policy on the property and increased my monthly mortgage payment by approximately {$300.00}. 

Over the past 69 months, I have made multiple attemptson at least four separate occasionsto provide proof of my existing insurance coverage and request that Selene Finance remove the forced-placed insurance and adjust my escrow account accordingly. To date, they have not corrected the overcharge or provided a clear resolution.

I have received multiple letters from Selene Finance confirming that their forced-placed insurance policy has been cancelled and that I would be reimbursed for any overages in the escrow account. I was later informed that the overage would be credited back to my loan. However, I have not received any refund check or written confirmation of the credit being applied. 

Furthermore, I am still being required to pay the inflated mortgage amount, as Selene Finance representatives have told me that the system will not allow payments below the currently listed amounteven though the forced-placed insurance has supposedly been removed.

I am submitting this complaint due to Selene Finances failure to : Properly remove forced-placed insurance Accurately adjust my escrow account Refund or credit the escrow overage Allow correction of my monthly payment amount despite documentation This ongoing issue has created an unnecessary financial burden and I am seeking immediate resolution, accurate account adjustment, and reimbursement of any overpayments made due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I am writing to express my frustration and disappointment regarding an American Express gift card I received as a gift from a family member on XX/XX/year>. Unfortunately, despite several attempts, I have been unable to use the card. 

Specifically, I have tried adding the card to my XXXX XXXX to make purchases, but it consistently fails to work. Ive followed all available instructions and troubleshooting steps, but the card is still not recognized or accepted by the wallet.

This situation has been very inconvenient, especially considering the card was given as a thoughtful gift and I was looking forward to using it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline I am requesting the description of reinvestigation procedure according to 15 USC 1692g states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
TransUnion is currently reporting two charge-off accounts that are inaccurate, outdated, and/or unverifiable. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Opened : XX/XX/XXXX - Balance : {$2200.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX account is over seven years old and has exceeded the statute of limitations for credit reporting under the Fair Credit Reporting Act ( FCRA ), which generally limits derogatory information to a seven-year reporting window under 15 U.S. Code 1681c ( a ) ( 4 ) and ( a ) ( 5 ). This charge-off no longer has any permissible purpose to remain on my report and should have been removed automatically. 

As for the XXXX account, it is showing a balance of {$0.00} yet is still being reported as a charge-off, which is misleading. An account with a {$0.00} balance should not be treated as derogatory, especially if the charge-off was resolved or paid. TransUnion has failed to ensure the completeness and accuracy of the data in violation of FCRA 1681e ( b ). This item may also have been inaccurately re-aged or left unresolved despite prior disputes. 

I have made good faith efforts to resolve these issues directly with the furnisher and the credit bureau, but the accounts remain on file without proper verification or lawful basis for continued reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable 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 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I believe at about around XXXX or XXXX of XXXX someone I know took my personal I formation and opened accounts under my name and social security number without my authorization

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 2025-06-24 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: CA

Complaint narrative:
Let me be direct I never applied for credit, services, or any transaction with this company that would warrant them pulling my credit report. I never signed or submitted any application, nor did I provide verbal or written consent authorizing access to my credit file.

Under FCRA Section 604, a party must have a legitimate reason and consumer authorization to access a credit report. This company had neither. This means their inquiry constitutes an unauthorized pull plain and simple.

Whether this was the result of internal error, misidentification, or even potential identity theft, it is your legal obligation as a credit reporting agency to investigate and remove any inquiry that does not meet the FCRAs standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I received two texts from Halsted Financial, CA license number XXXX, claiming I have an outstanding balance of {$1100.00} for a XXXX, XXXX account. I have no such account, and XXXX confirmed I do not, and that no one has taken one out in my name. No such account exists. No such debt exists. This is a fraudulent inquiry. Halsted contacted me via text from XXXX offering a web link to pay or to call XXXX. I have been contacted by text only, not by mail, which is required ; therefore I suspect this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
XXXX is reporting a late payment from XX/XX/year> on account number XXXXXXXX XXXX XXXX XXXX XXXX across all three credit bureaus, including EquifaxXXXX XXXX, and XXXX This account has long been closed and fully paid, and the reported balance is {$0.00}. Despite this, the derogatory late payment remains in my credit profile and continues to inflict damage on my creditworthiness. 

This negative mark is more than a decade old and grossly exceeds the standard credit reporting limit established under the Fair Credit Reporting Act ( FCRA ). According to FCRA 605 ( a ) ( 5 ) [ 15 U.S. Code 1681c ], derogatory information, including late payments, can not be reported for longer than seven years from the date of the delinquency. In this case, that seven-year window has long since closed.

CITI and the credit bureaus have had ample time and opportunity to verify or remove this outdated data, and yet they have allowed it to linger in my filewithout notice, documentation, or justification. The continued reporting of this obsolete and closed account is a direct violation of the FCRA, specifically 1681e ( b ), which mandates that credit reporting agencies maintain the maximum possible accuracy in the data they report.

This isn't just a technicalityits a serious and ongoing harm. Lenders viewing this old and irrelevant derogatory mark may assess me as a higher-risk consumer, resulting in unfavorable credit terms, higher interest rates, or outright denials. I should not continue to pay a price for a closed and resolved account that should have automatically aged off my report years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to dispute a hard inquiry that appears on my credit report, which I have no knowledge of and did not authorize. I take my credit profile seriously and maintain careful oversight of my financial activity. After verifying all my credit applications, I can state confidently that I did not initiate any action that would warrant this inquiry. The Fair Credit Reporting Act requires that credit reporting agencies ensure the accuracy and integrity of the data they report. Including an inquiry without proper consumer authorization constitutes a violation of my rights under FCRA Section 604. This inquiry is both damaging and misleading.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting TransUnion for noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, after I submitted an identity theft report and supporting documentation to dispute fraudulent accounts on my credit file. 

On XX/XX/year>, I sent TransUnion : A valid FTC Identity Theft Report My government-issued ID and proof of address A written dispute letter identifying unauthorized tradelines, including XXXX and others Certified mail confirmation showing delivery TransUnion received these documents and responded stating they are awaiting creditor verification. However, under FCRA 605B, a credit bureau is required to block all fraudulent information within 4 business days of receiving an identity theft report and proof of identity. They are not permitted to delay or ignore this obligation while contacting creditors. 

Despite this, TransUnion has failed to remove the disputed accounts, and continues to report them on my credit file. I followed up with another mailed dispute on XX/XX/year>, which was also delivered and received. No corrective action has been taken. 

I am requesting immediate enforcement of my rights under the FCRA and for TransUnion to be held accountable for willful noncompliance and the continued harm to my credit.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone, I don't know who, made 17 withdrawals from my bank using CashApp over a period of 2 months. 
CashApp 's only concern is that I had my phone on me. They implied that my disputes are fraudulent and that I made the transactions. The only thing CashApp will consider is more info from me. This person/vendor/company is not anyone I know or can communicate with. 
So far I have filed a Police report, Claims and Disputes with my bank has reissued my debit card and I'm looking for Senior Fraud agencies to help me. I also found an article about a court case with CashApp and CFPB from XXXX XXXX. So I'm asking for your help. 
I will share the XXXXXXXX XXXX  Police report info if CFPB can help me. 
I don't have any files to attach because CashApp has all the information. I only have bank statements that prove money was being withdrawn.

Company response to consumer: Closed with explanation