vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$17000.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$9600.00} Account Name XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/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 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
I got charged for late fee on XX/XX/year> and XX/XX/year> while I did submit the payment on-time using auto-pay. XXXX claimed that XX/XX/year> and XX/XX/year> are non business days so it takes time to process and caused the late fee. 

I do not feel responsible for the delay in bank processing. I communicated with XXXX however they refused to refund the fee.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of Identity theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain 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 2025-09-04 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: LDF Holdings, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Lendumo for engaging in predatory lending practices by issuing a loan with an illegally high interest rate in violation of the XXXX  XXXX XXXX ( XXXX ) and for using deceptive practices regarding the loan 's terms. I also don't have access to the loan agreement. I can not log into the portal on the Lendumo website. 

XXXX. Unlawful and Predatory Interest Rate : On or about XX/XX/year>, I obtained a loan from Lendumo in the amount of {$1500.00}. The loan agreement discloses an astronomically high Annual Percentage Rate ( APR ) of 599 %. 

This interest rate is illegal under XXXXXXXX XXXX. The XXXX  XXXX XXXX ( XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX. ) establishes strict interest rate caps based on the loan principal. For a loan of {$1500.00}, the maximum allowable APR is approximately 30 %. A 599 % APR is blatantly usurious and exceeds the legal limit by over 1,900 %. This practice is predatory and designed to trap borrowers in a cycle of debt. 

XXXX. Deceptive Practice Regarding " Short-Term '' Payment Option : I was misled during the application process. The advertising and/or application interface prominently featured a misleading " short-term payment option '' that made the loan appear affordable and manageable within a short timeframe. 

However, the reality of the repayment structure is crushing and was not clearly disclosed. I am required to make a single payment of {$610.00} on XX/XX/year>, which is not feasible and does not align with the promised " short-term '' option. This is a deceptive practice designed to obscure the true, unaffordable cost of the loan, in violation of laws prohibiting Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 

XXXX. The Harm Caused : The structure of this loan is financially devastating. A single balloon payment of {$610.00} on a {$1500.00} loan is unsustainable and creates an immediate and unavoidable financial hardship. This is the hallmark of a predatory loan designed to force borrowers into default, extensions, or additional fees. 

I believe Lendumo has violated California law, including : The XXXX XXXX XXXX  ( XXXX XXXX XXXX ) by exceeding state-mandated interest rate caps. 
XXXX XXXX XXXXXXXX XXXX ( XXXX & XXXX XXXX XXXX ) by engaging in unlawful, unfair, and fraudulent business practices. 
Federal prohibitions on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 

I have no copy of the signed loan agreement as well. I no access to view terms and I was not emailed a copy of the signed loan agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: UT

Complaint narrative:
I enrolled in an online program through XXXX XXXX, or XXXX XXXX, it was financed by Healthcare Finance Direct ( HFD ). The company misrepresented the program and failed to honor their promises. Specifically : They told me I would be reimbursed for payments if I did not earn enough commission, but they refused when I requested reimbursement. They also did not clearly disclose cancellation policies, originally I was told there would be no pushback if I signed on, and that is what lead me to enrolling in their program. Later when I tried cancelling due to misrepresentation, and financial hardship, they imposed rules that I was never made aware of like a " 3-month minimum of working with them '' and I had to complete all these tasks that would then let me cancel. Once again I was never made aware of that. When I attempted to cancel they did not honor my cancellation request. 

I disputed the loan with HFD and requested a stop on payments, but I have now been told the dispute was cancelled, and XXXX XXXX threatened and says I remain responsible for the full loan amount, and will be kicked out of the program but still have to pay. 

Why this is unfair and deceptive : The program was sold under false and misleading terms, the company engaged in unfair collection practices, threatening negative credit reporting, and refusing to acknowledge my cancellation. 

I revoked authorization for further payments, but HFD still attempted to collect What I want : Full cancellation of the loan with HFD, written confirmation that I will not be held responsible for future payments, protection of my credit, this account must not be reported as delinquent, and if it is, it must be corrected immediately. 

I will provide any proof of my written cancellation requests. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, around XXXX, my wife asked me to pay a bill. When I logged into my Chime account, my credit builder account disappeared from the Chime account. I called Chime and was transferred to a live agent named XXXX on XX/XX/year>, at XXXX. I asked XXXX when my account was closed, and she informed me it was closed at XXXX on XX/XX/XXXX. Then I explained that XXXX didn't release my paycheck around XXXX. My check post on Chime around XXXX. So why did my check ( direct deposit ) not go straight to my checking account if the credit builder account was closed at XXXX? 

I sent them a recorded copy of the phone call and screenshots. They took my bill money and told me to contact a legal advisor to get my paycheck back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I received an email from XXXX on XX/XX/year> stating my XXXX  discharge had been approved.Mohela is saying they never received the letter and student aid said to file a complaint

Company response to consumer: Untimely response
Consumer complaint received 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ self Lead ] XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, Subject : Request for Removal of Late Payment from Credit Report Under FCRA Dear [ Self Lead ], I hope this letter finds you well. I am writing regarding my account, [ XXXX ], which currently reflects late payments on my credit report for the months of [ insert dates ]. While I take full responsibility for the late payments, I am reaching out in hopes of resolving this matter. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit reporting agencies. I recognize that these late payments were accurate at the time ; however, I have since made efforts to correct my account standing and have ensured all payments are now timely. 
I would like to respectfully request that you consider removing the late payments from my credit report as a goodwill gesture. Given my improved payment history and commitment to maintaining a positive credit relationship with [ Self Lead ], I believe this adjustment would reflect the responsible financial behavior I am currently practicing. 
Additionally, the FCRA provides consumers with the right to dispute information they believe is outdated or damaging to their credit report, particularly if it no longer accurately reflects their current financial situation. In the spirit of this regulation, I hope you will consider my request to update the status of my account and remove the late payments in order to help me repair my credit standing. 
I am committed to maintaining a positive relationship with [ Self Lead ] moving forward, and I believe this adjustment would be mutually beneficial. I greatly appreciate your time and consideration of this request and look forward to your response. 
Thank you for your attention to this matter. 
Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

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 non-monetary relief
Consumer complaint received 2025-09-04 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.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In XX/XX/year>, I made my monthly payment to Mountain America FCU on time. The bank internally misapplied the payment, which caused the account to be incorrectly reported as late to the credit bureaus. 

I contacted the bank and a representative ( XXXX XXXX admitted it was their mistake. Despite this admission, the bank has not corrected the reporting or provided written documentation confirming their error. 

This late mark is inaccurate, damaging to my credit history, and entirely due to the banks internal error. I request that the CFPB require Mountain America FCU to correct my credit report to show that all payments were made on time and provide written documentation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 did not authorize these accounts and dispute them as fraudulent. I request their removal and a full investigation. Documentation is included.

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 2025-09-04 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: MD

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: CA

Complaint narrative:
I enrolled in a program to fix my debt under the company Citizen Debt Relief in nXX/XX/XXXX They promised to fix my debt, lower my debt amount and help me fix my credit score. I started back in XX/XX/XXXX and they drafted from my XXXX XXXX back {$230.00} monthly until XX/XX/XXXX. It was adjusted due to some of the company I owed where removed in my account because i had to fix it myself and could no longer wait for them. I kept asking them to pls settle my other accounts because i kept getting call from debt collectors about having to pay my accounts and I had sent them the information but they still didn't fix the problem. Now one of the companies I owe is suing me with the full amount and they don't want to work with me with a settlement and I cant afford that because I am still trapped in this program who promised me help that I didn't get. please help me all I want to do is fix my credit score and pay all of my responsibilities with the people I owe. The name of the company that is now suing me is XX/XX/XXXX. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/24 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief