vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
I am writing to file a formal complaint and request enforcement regarding my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B 15 U.S.C. 1681c2. I am a victim of identity theft, and there is fraudulent information currently being reported on my credit file by Experian.

Despite submitting the required documentation, including : A police report or FTC Identity Theft Report, A written request to block the fraudulent information, Proof of my identity, Experian has not complied with the FCRAs requirement to block fraudulent information within 4 business days of receiving the documentation, as outlined in 605B. 

The items I requested to be blocked include : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX Bank I am requesting that the CFPB investigate this matter and ensure that Experian fulfills its legal obligations by removing the fraudulent accounts from my file and halting further reporting or collection. 

Please let me know if you require any additional documentation or clarification. I appreciate your prompt attention to this serious issue.

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 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NV

Complaint narrative:
I would like to preface with I use these products because the return window is much faster than traditional banking and I do a majority of my shopping online. 
XX/XX/year> - Received merchandise from XXXX, but returned in-store the same day XX/XX/year> - XXXX processed XXXX to my payment method used to purchase merchandise ( debit card ) XX/XX/year> - Return request declined again. Contacted the XXXX store I returned the order at, and they stated they were unable to assist. I recommended reversing the return in their system and I could reprocess it and ensure that it was registered with Klarna properly, but they were unable to assist. XXXX customer service also recommended I contact the store. The return was processed as a gift card which was applied to my bank account. Reported return again via Klarna customer service to allow XXXX to register the return with Klarna since there was a gap in the process. Provided evidence to Klarna of the money returned to my bank account and chat messages between XXXX and myself to remediate the situation so I would not have to pay for the merchandise that I already returned. When the return is submitted, Klarna pauses repayment for 21 days. 
XX/XX/year> - XXXX immediately accepted the return, but the return was not registered with Klarna again XX/XX/year> - Klarna resumes my payment schedule for the returned item, and said I am still liable to pay because I was issued the refund outside of Klarna. Now I never want to use this service again since this has been such a headache return process, and I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and XXXX with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-06-06 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 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.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi XXXX Visa is not is not crediting or applying return amounts to my card. When I do returns they're not being applied as a 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 2025-06-06 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX and previous dates which i can add more if needed, the Dollar bank withdrew the largest amount instead starting from the lowest amount. Withdrawing the largest amount caused too many over drawn fees, where if withdrawing from the lowest amount it would have caused only XXXX fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
XXXX has shut down and left your treatment incomplete.

they have not fulfilled their contractual obligations, yet their financing partners are still demanding payment.

Ive tried to dispute the debt but were ignored or met with threats, include that.

Mention any misleading statements, refusal to provide information on who owns your debt, or any contract manipulation I started XXXX XXXX years ago and my treatment was not finished. I tried contacting them and they gave me no response on getting a refund or lower the payment cost. Until I found out from an online article that smile direct went bankrupt XX/XX/XXXX and health finance direct would be the one taking over my payments. For over a two years every month for XXXX dollars was being taken out of my account for a service that was no longer promised to me Ive payed over XXXX dollars to this company when they are clearly within breach of their contract. XXXX  has breached the contract with its customers. According to the contract, any changes to the terms, including changes to the total amount owed, must be made with the * * written consent * * of both the buyer and the provider using an Addendum form. I also called about getting a refund and they claimed they were unaware and could not give one or lower the estimated cost HFDs claim that they can not issue refunds or make adjustments is misleading. They are legally obligated to address these issues, especially since XXXX is no longer operational. Also XXXX  bankruptcy and the subsequent transfer of contracts to new creditors do not absolve them or HFD from their obligations. Ive never received a letter stating that XXXX has ceased operations, i should be informed that the contract is effectively voided, as XXXX can not fulfill its end of the agreement. Continuing to charge customers for services that are no longer being provided is a clear breach of contract. And today XXXX XX/XX/XXXX they charged me 5 times today. They consistently stated that I have 1 payment left and its been the same for months. unexplained changes to your account balance or other unexpected charges, this is a clear violation of the contract terms. HFD has failed to provide detailed explanations for changes to your account or refused to give you a clear payment history, thats not right .As a customer, i have the right to request and receive this information.

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

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within XXXX  days : 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  XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9700.00}

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 2025-06-06 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: NY

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within XXXX  days : 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  XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9700.00}

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

Complaint narrative:
I noticed a credit inquiry from a company that Ive never interacted with and certainly did not give permission to access my credit report. I have no relationship with this company and did not authorize this inquiry in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I am writing to file a complaint regarding a personal loan I have with Eagle Loans, where I have been paying XXXX XXXX XXXX. The terms of this loan were not clearly explained to me at the time of approval, especially concerning the interest rate. I was charged an unusually high interest rate of XXXX  % per month, which results in a significant portion of my payments being applied to interest rather than reducing the principal balance. 

This has caused the loan to feel predatory, and I feel the terms were misleading or not disclosed properly. The interest being charged is far beyond what is typically expected for loans in the state of XXXX, and I was not adequately informed of this rate. 
When I first agreed to the loan, I was given a payoff amount that I used to make my decision. However, when I later called to confirm the updated payoff, the amount had increased significantly without proper explanation or transparency. This inconsistency makes it extremely difficult to trust the companys practices and feels intentionally misleading. I believe this behavior is predatory and needs to be investigated.

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

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Date of Charge-Off : XXXX XXXX XXXX  The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this mat

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

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really XXXX and tired of this. I'm gon na go to court.

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 2025-06-06 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: FL

Complaint narrative:
I am writing to request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are unauthorized accounts and inquiries listed that I did not authorize. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and remove these items from my credit file. Enclosed are the following supporting documents : A list of disputed items. 

A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

Please investigate and delete these items as soon as possible. I would appreciate written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter.

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

Complaint narrative:
I was in a XXXX XXXX in XXXX of XXXX  and my car was deemed a total loss. My car insurance company, XXXX, made a payout but I still had a balance left over with XXXX XXXX XXXX, who was financing my car. However, I had gap insurance and was told that I did not have to make any payments on the car and that it would cover the remaining portion of the financing amount. I never received any e-mails about having payments due or missed payments and only found out that I had a balance of {$3100.00} when I was denied for a XXXX XXXX and took a look at my rental 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
Subject : Urgent Complaint Ongoing Failure to Provide Documentation & Suspected Fraud by EdFinancial. 
I am writing to file a formal complaint against EdFinancial for repeatedly failing to provide legally required documentation regarding my student loan account. I have requested multiple times through both direct communication and via the Consumer Financial Protection Bureau ( CFPB ) portal that EdFinancial provide : 1.A copy of my signed and dated promissory note, 2.A full and detailed account history, especially showing the alleged late payments in XXXX and XX/XX/year>, and 3.Any records that justify the negative reporting currently affecting my credit. 
To date, EdFinancial has failed to provide a single document. This continued lack of response is unacceptable and raises serious concerns about fraudulent activity and record-keeping violations. My account is paid off and closed, yet this negative reporting remains without substantiated proof. 
EdFinancial is not only harming me as a borrower, but is also potentially defrauding students and the federal government by fabricating or misreporting loan information. The CFPB has a responsibility to protect borrowers, yet I am increasingly concerned that no meaningful action has been taken. This issue must not be dismissed as a duplicate complaintit is a persistent, unresolved matter that demands immediate regulatory attention. 
EdFinancial must be held accountable for these failures and deceptive practices. I request that the CFPB : Launch a formal investigation into EdFinancials servicing and documentation practices, Enforce compliance with federal record-keeping and reporting standards, Ensure all inaccurate or unverifiable negative information is immediately removed from my credit history, and Take strong public action if fraud or systemic abuse is found. 
I am aware of ongoing lawsuits involving servicers like EdFinancial, and this situation reflects the very reasons why such legal action is necessary. The leniency shown by regulatory agencies is enabling these companies to exploit student borrowers without consequences. 
I demand a thorough investigation and a written response. Please do not ignore or minimize this matter. 
XXXX XXXX Social Security XXXX

Company response to consumer: Closed with explanation