vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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 XX/XX/XXXX, I financed a private student loan through Climb Credit for XXXX XXXX coding bootcamp program, enticed by ads promising an " earn while you learn '' model with exclusive training ( only XXXX XXXX acceptance rate ) and robust mentorship for extroverted communicators transitioning to tech. A XXXX sales rep called shortly after my ad click, hyping the opportunity and rushing me through online signupclicking links and e-signing documents without time to fully review the high-interest loan terms. I trusted it as a lifeline amid personal financial struggles and enrolled immediately. 

I engaged actively at first, completing modules on HTML, XXXX, and JavaScript. However, by XX/XX/XXXX, I realized the curriculum was basic content freely available online ( e.g., via freeCodeCamp ), with promised " structured mentorship '' limited to infrequent XXXX XXXX & XXXX and generic assignment feedbackfar short of the personalized career support advertised. Red flags emerged early : the program has long been under fire for unmet promises, shady sales tactics ( e.g., high-pressure recruiting ), and marketing/publicity manipulation ( e.g., CEO attempts to suppress XXXX criticism from former XXXX ). It felt like a sales funnel trapping borrowers in debt. 

Two days ago, XX/XX/XXXX, XXXX XXXX XXXX XXXX announced the company must cease all operations and close immediatelysevering access to courses, materials, and support without notice, refunds, or transition plans for me or hundreds of other enrolled students. This abrupt shutdown seals the deal on my prior complaints : I've paid {$2100.00} since loan inception ( detailed in attachments ), yet received nothing of value, leaving a {$9300.00} remaining balance accruing high interest on a ghost program. 

On XX/XX/XXXX, I filed a CFPB complaint ( escalating origination fraud via misleading ads and high-pressure tactics ), which Climb closed on XX/XX/XXXX, stating they require a refund request from XXXX impossible condition after today 's closure announcement. On XX/XX/XXXX, I filed a state XXXX complaint for mediation.This has imposed severe financial hardshipthousands left to pay for XXXX, alongside hundreds of othersexacerbated by Climb 's failure to vet their bootcamp partner, especially amid the CFPB 's XX/XX/XXXX lawsuit against Climb for deceptive educational lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I contacted Citi Cards on XX/XX/year> to clear up the Returned Check fee. The person told me the fee was because the auto payment that processed was returned because my account was frozen and that I would need to wait until the next statement date before I could request the fee reversal. I contacted my checking bank and they advised that there had been no freeze on the account and they showed no record of the payment request being presented. 
On XX/XX/year>, I contacted Citicards by phone since I had received the most recent statement. The person told me that there was nothing they could do. I then tried to chat, with same result.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently updated my credit report, hoping for improvements, only to find that the same accounts I never authorized and do not recognize are still showing up. Its incredibly frustrating to continuously deal with these issues, especially after the significant time and effort Ive invested in disputing them. Under Section 15 U.S.C. 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report with the consumers written authorization. I have never provided consent or signed any document permitting access to my credit file. Therefore, the accounts and inquiries listed below are fraudulent and violate 15 U.S.C. 1681b ( c ) ( 1 ) ( A ), which prohibits the reporting of transactions not initiated by the consumer without explicit permission. Account Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized XXXX to report any of this unverified information. Therefore, I am requesting the immediate removal of these fraudulent accounts from my credit file. By continuing to report these fraudulent items, XXXX are violating my rights under the FCRA. This ongoing issue is damaging my credit and reputation, and it must be corrected immediately. I also filed a Police Report in XX/XX/XXXX regarding these accounts, confirming that I am a victim of identity theft. Despite multiple disputes and a conversation with your agency, where I was assured the accounts would be removed, they still remain on my report. While I attempted to file a new FTC Identity Theft Report, I was unable to do so due to the FTC website being shut down. However, I am attaching my FTC Identity Theft Report from XX/XX/XXXX to show that I have been actively working on this matter for an extended period. If this issue is not resolved promptly, I will have no choice but to pursue legal action to enforce my rights. I am beyond frustrated with the continuous cycle of disputes and lack of resolution. Ive been more than patient, and I am requesting that this issue be addressed and resolved once and for all.

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 2025-10-27 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-27 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX CRED - XXXX * * * * * * * 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 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
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a transaction come through my account which caused it to be overdrawn. I was on vacation while this happened and the day that the overdraft protection ended. I was stuck in an airport on a delayed flight and did not have access to an ATM. I called. I chatted in my app with my bank and told them about the situation and she told me to reach back out after the Fee had posted to see if it could be removed. I chatted with them again today and ask them to remove the fee and they told me that I am only eligible for XXXX fee removal per year and that they would not remove the fee. I explained to them I do not have the money to pay a {$36.00} overdraft fee and that I also Explained to them why the overdraft occurred. They told me they dont care. I want the Fee removed and I want them to be held accountable for abusing their account holders

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX 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 RE : Formal Complaint Against USAA Claims XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) and XXXX XXXXXXXX ( XX/XX/year> ) To Whom It May Concern : I am filing this formal complaint regarding USAAs handling of two insurance claims I submitted : XXXX XXXXXXXX ( filed XX/XX/year> ) and XXXX XXXXXXXX ( filed XX/XX/year> ). Both were denied and labeled as fraudulent without any opportunity for me or my wife to respond, provide documentation, or appeal the decision. 
At the time of these claims, my wife was under heavy medication and medical supervision, which affected our ability to manage communications. USAA also used an incorrect last name for her in their records, which may have led to confusion. Despite this, we were never informed of our right to appeal or to seek legal representation. 
USAA has refused to disclose any information to us regarding these claims or prior unresolved issues. They have consistently failed to hear our side or correct problems with our bank account, car loan, and insurance coverage. Years ago, my ex-wife gained unauthorized access to my USAA bank account and emptied both my account and my parents account. USAA refused to investigate or take action at that time, and this pattern of eglect continues. 
I respectfully request that the XXXX XXXX XXXX XXXX XXXXXXXX investigate USAAs conduct and ensure that policyholders are treated fairly and given the opportunity to respond before such serious determinations are made. 
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
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, a {$560.00} charge from XXXX * XXXX XXXX XXXX XXXX  posted to my Bank of America credit card. I did not authorize this transaction, did not sign any rental agreement, and did not pick up or use any vehicle. During that same trip, my family rented a car legitimately through XXXX XXXX XXXX XXXX XXXX  XXXX under my husbands name and card ending in XXXX XXXX XXXX XXXX XXXX ). 

I immediately disputed the unauthorized charge, but Bank of America denied my claim without providing any signed agreement or proof of authorization. Their denial letter only stated the dispute was invalid. This violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), which require a reasonable investigation and proof that the transaction was authorized. 

Bank of Americas own records show that my original card was replaced on XX/XX/XXXX, XXXXone day after the fraudulent chargeand the new card was not delivered until XX/XX/XXXX. This confirms I did not possess the card when the transaction occurred. I also verified that I never received any confirmation or correspondence from XXXX or XXXX XXXX XXXX XXXX  related to this charge. 

This situation has caused undue stress and time burden. I am requesting that Bank of America immediately reverse this charge and restore the {$560.00} to my account as required by federal 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 monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-27 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: MD

Complaint narrative:
This letter serves as a formal follow-up regarding multiple unauthorized hard inquiries that remain on my credit report, despite my previous disputes and submission of supporting documentation. 

These inquiries were made without my authorization or consent, and I have not initiated any applications or transactions that would justify such access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This letter serves as a formal follow-up regarding multiple unauthorized hard inquiries that remain on my credit report, despite my previous disputes and submission of supporting documentation. 

These inquiries were made without my authorization or consent, and I have not initiated any applications or transactions that would justify such access.

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 2025-10-27 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: TX

Complaint narrative:
Verify the timely deletion of disputed accounts per legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MO

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : I C SYSTEM - XXXX * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XX/XX/scrub>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 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
In XX/XX/year>, I attempted to cancel my WIFI service through customer service on XXXX. I was told it was canceled, but I continued to receive bills for the following 2 months. I tried to get in contact with XXXX several times, but kept getting redirected to customer service people who barely spoke XXXX and could not resolve my situation. The only other option XXXX had to get in contact was through scheduling callbacks. I scheduled several callbacks and never received a call from XXXX. I had to contact my bank to stop XXXX from charging my account because I couldn't get in contact with XXXX. XXXX threatened to send me to collections, to which I tried to get in contact with them again. After an hour on the phone with customer service, they told me it was resolved and to expect an email. No email was received, and now they have set me up with a collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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 a victim of XXXX XXXX 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 2025-10-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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