vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX or XXXX, I received an " Imagine '' credit card and activated it. When I downloaded the app and created an account, I noticed a {$120.00} annual fees charge for a credit line of {$500.00}. On XX/XX/XXXX, I contacted the card via chat and asked to waive annual fees as a XXXX time curtesy, if not I will close the account. The customer assistant after a XXXX min back and forth finally agreed to a XXXX time waiver of {$120.00}. I confirmed multiple times that they are waiving all fess. The guy confirmed. 
On XX/XX/XXXX, I paid {$10.00} and charged the card for {$380.00}. Few days Later I wanted the use the card but it did not work. I checked the balance and there was {$25.00} credit towards annual fees and {$100.00} balance. I got in touch for supervisot ( via chat ). He told me that the previous agent put in the notes that I agreed for a credit of {$25.00} towards annual fees. I asked to show me conversation log i had with the agent few days ago. They did not have it. I told him that if they can not wave fees, I would like to close the account. I stated that I will pay the balance. On XX/XX/XXXX, I oaid {$380.00} balance that I used the card for, I received a statement showing {$100.00} balance on my account ( {$100.00} plus interest ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am following up regarding my complaint against Experian and XXXX XXXX XXXX concerning inaccurate credit reporting. 

On XX/XX/year>, I received notice that the company stated they can not respond to my complaint. This refusal is unacceptable, as the information I disputed remains inaccurate and continues to harm my credit profile. 

Specifically, the company is reporting my account as charged off, written off, and past due simultaneously, which is factually inconsistent and misleading. This is a direct violation of : FCRA 607 ( b ) Failure to assure maximum possible accuracy. 
FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 
FCRA 623 Furnishing information with knowledge of inaccuracies. 

I have already provided supporting documentation showing the inaccuracy, yet the company is refusing to engage with the CFPB process. Their non-response should not result in the dismissal or closure of this complaint without enforcement 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 explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
e-Oscar is ridiculous, wrong and so is EquiFax. I called XXXX at ( XXXX ) XXXX XXXX and spoke with XXXX, who advised that my account is in perfect standing, and the problem is EquiFax. 

This serves as a formal complaint of the inaccurate XXXX late payment on XXXX XXXX XXXX reported by EquiFax credit report XXXX XXXX it must be deleted due to XXXX violation of Federal Law 15 U.S.C. 1681e ( b ) by not following reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, they do not adhere to Metro 2 technical compliance standards required for accurate credit reporting. The list of all the Federal Law violations are as follows : 15 U.S.C. 1681e ( b ) : EquiFax is required to follow reasonable procedures to assure maximum possible accuracy. 

They have failed to provide the process and reasonable procedures used for this, and they have failed a certification of accuracy of information, so they must delete immediately. They have also failed to meet Metro 2 standards. 15 U.S.C. 1681s-2 ( b ) : EquiFax and other credit bureaus are required to conduct proper investigations and correct or delete inaccurate information, which EquiFax has failed to do. They are reporting inaccurate information after notice and confirmation of errors. 15 U.S.C. 1681i ( a ) ( 5 ) XXXX XXXX must delete disputed information that is found to be inaccurate, unverifiable, or reported in violation of compliance requirements. 

Multiple correspondence I've sent to EquiFax via mail, but have been negligent in their duties. The EquiFax was contacted on the following dates with the following people who all acknowledged that my account is in perfect standing with no lates, and assured that they would take care of the error internally, but clearly have acted in bad faith : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They are in flagrant violation of Federal Law, so every legal remedy shall be used against them if they do not remove the error immediately. I request the immediate removal of all lates ( especially reported XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX and all there after ) from my credit report due to EquiFax 's non-compliance with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
This is from an XXXX XXXX  in Louisiana XXXX XXXX also know as mobileloans. I didn't realize all the charges on top of the interest rate being over 700 %. I asked after my last payment from 2 days ago what it would be to pay it off on my next payday and the amount went up not down after last payment as I guess it does every month because of the extreme interest rate. They make it difficult even just to pay off because of the extreme interest rate because they want that money.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a collections account number XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-10 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After carefully reviewing my recent credit report, I have identified the following inquiries that I do not recognize and did not authorize : Disputed Inquiry : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am disputing the continued reporting and servicing of my student loans by despite my eligibility for a XXXX XXXX XXXX XXXX ( XXXX  ) discharge under 34 C.F.R. 685.213. 
At the time in question, I was in the process of securing XXXX benefits and was fully eligible for loan discharge under federal law, yet theyve failed to provide the required reasonable accommodations or pause in adverse credit reporting under the Americans with Disabilities Act ( ADA ), Title II 42 U.S.C. 1213112165 and Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ).

This failure caused continued negative credit reporting, direct harm to my financial stability, and denial of housing and credit opportunities. Additionally, the ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), as the information is not accurate in light of my documented disability status and discharge eligibility.

I have attached : My victims letter Proof of my XXXX and XXXX  application timeline Credit reports showing the continued negative 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 explanation
Consumer complaint received 2025-08-09 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: CT

Complaint narrative:
Subject : Identity Theft Dispute - Request for Immediate Removal of Fraudulent Accounts Attention Legal Department, I am writing to inform you that I have been a victim of identity theft. The following accounts listed on my credit report are not mine and were opened or reported fraudulently without my authorization or knowledge. 


Fraudulent Accounts to Be Removed : Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$490.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX  XXXX Account Number : XXXX Amount : {$1200.00} Reason : Identity Theft/ Not Mine Account Name : XXXX  XXXX Account Number : XXXX Amount : {$4300.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1400.00} Reason : Identity Theft/ Not Mine In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts from my credit report. Enclosed you will find a copy of my FTC Identity Theft Report. 

In addition, I have included the following for verification purposes. 

A copy of my government-issued photo ID Utility bill showing my current address As per FCRA section 605B ( 15 U.S. Code sec. 1681c-2 ), you are required to block the reporting of any information that resulted from identity theft within FOUR ( 4 ) BUSINESS DAYS from the date of receipt of this letter. 

Please remove these accounts effective immediately. 

Thank you for your immediate attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CT

Complaint narrative:
Subject : Identity Theft Dispute - Request for Immediate Removal of Fraudulent Accounts Attention Legal Department, I am writing to inform you that I have been a victim of identity theft. The following accounts listed on my credit report are not mine and were opened or reported fraudulently without my authorization or knowledge. 


Fraudulent Accounts to Be Removed : Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$490.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX  XXXX Account Number : XXXX Amount : {$1200.00} Reason : Identity Theft/ Not Mine Account Name : XXXX  XXXX Account Number : XXXX Amount : {$4300.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1400.00} Reason : Identity Theft/ Not Mine In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts from my credit report. Enclosed you will find a copy of my FTC Identity Theft Report. 

In addition, I have included the following for verification purposes. 

A copy of my government-issued photo ID Utility bill showing my current address As per FCRA section 605B ( 15 U.S. Code sec. 1681c-2 ), you are required to block the reporting of any information that resulted from identity theft within FOUR ( 4 ) BUSINESS DAYS from the date of receipt of this letter. 

Please remove these accounts effective immediately. 

Thank you for your immediate attention to this matter. 


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 2025-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFBK is slow, unprofessional and ill equiped to handle customer complaints with NO personal touch in the process of attempting to resolve situations. Even their employees are frustrated and embarrassed with their handling ( or lack thereof ) of customer and employee situations. I never spoke or met with an individual in response to any of my inquiries or complaints. They will not speak with anyone at the bank when bank employees try to intervene or assist in the process. Their canned responses were to include requesting information needed to communicate directly with my attorney. I never said that I had an attorney. They just close the case, roll the dice, and hope that everyone will move on while addressing other complaints accordingly. They are to be watched closely for other complaints, as others XXXX take the time to try and salvage what they attempt to steal. Thank you for your continued assistance to customers such as myself,

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 2025-08-09 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: CA

Complaint narrative:
I am disputing multiple unauthorized inquiries, fraudulent accounts, and incorrect personal information on my Experian credit report. 
Unauthorized inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Fraudulent/identity theft accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Incorrect personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Previous Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am a victim of the XXXX  XXXX  data breach. I request removal of all inaccurate, unverifiable, and fraudulent information under the FCRA and a corrected credit report.

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 2025-08-09 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: MN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> a XXXX XXXX requested a return of unpaid deposited check from a Citibank branch using a XXXX XXXX  check XXXX XXXXXXXX of his. He had written the check to my name, the memo says for rent and has my name signed on the back. Citibank then proceeded to withdrawal {$4500.00} from my checking account XXXX and giving my money to XXXX XXXX. There are many red flags here. I dont know a XXXX XXXX XXXX The memo says for rent. I dont rent or offer any rental properties of any kind. I own XXXX property that I live in at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The biggest flag is that it is clearly not my signature. If Citibank had looked at my signature card or any of the checks I have signed over the years it is obviously not my signature. I also think the request of return of unpaid deposited check should have been a flag. Ive never heard of such a thing. And no there never was a deposit to return the money from. Citibank just took it out of my account and gave it to XXXX XXXX. I simply want Citibank to return the {$4500.00} into my account. I have attached a copy of the check, front and back, as well as a picture of my actual signature. Thank you. 

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 2025-08-09 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: AL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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