vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I signed up for a home security system through XXXX, and was never clearly informed that I was entering into a separate {$4000.00} financing agreement with XXXX  ( XXXX XXXX XXXX XXXX  ) for the equipment. 

I was under the impression that my monthly payment to XXXX covered both the equipment and monitoring service. My XXXX  app confirms that my account is in good standing and all payments are up to date. I only recently discovered that XXXX  was reporting a separate revolving credit account that I never knowingly agreed to. 

This account has now been closed by the creditor, marked as XXXX days late, and has significantly damaged my credit. At no point was I clearly shown a breakdown of the financing terms, a payment schedule, or notified that this would be reported as a credit card-style account on my credit report. 

I believe this was deceptive and predatory financing. I am requesting that this tradeline be removed from my credit report due to lack of clear disclosure, improper consent, and the financial harm caused by this misleading agreement.

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 2025-07-11 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank account was overdrawn due to a pending transaction that took place on the XXXX of XXXX. I cancelled the transaction on the XXXX of XXXX and it's status is " canceled '' in the merchants system. As of the XXXX of XXXX the charge still hasn't fallen off the account. I called support 4 times since the XXXX and no one seemed interested in assisting me with this issue. I was charged a {$35.00} overdraft fee even though my ledger balance was still positive.

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 2025-07-11 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:
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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
It has come to my attention that my Chex System consumer report contains over 23 pages of inquiries. Upon reviewing my report online, I found multiple addresses that do not belong to me, names I have never used, several inquiries, and one account reporting erroneous information. 

I have contacted the company directly, as I have been blocked from filing disputes through the standard process. I submitted each dispute with a representative, yet I have since received 5 to 6 alerts daily asserting that all information is valid, without any thorough investigation beyond basic verification requests to the bank.

I have formally requested documentation from Chex System to verify my identity for each inquiry, including forms and contracts bearing my wet signature. This request remains unaddressed. Furthermore, regarding the account listed, I have asked the bank to provide evidence of account abuse. The inability to repay overdraft services provided by the credit union does not constitute account abuse.

The reporting agency has failed to substantiate any claims, and the erroneous information remains on my report. This not only undermines my financial standing but also constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. * * Section 607 ( b ) * * of the FCRA requires that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report.

2. * * Section 611 ( a ) * * grants consumers the right to dispute inaccurate information and mandates that the agency conduct a reasonable investigation into such disputes.

3. * * Section 615 ( a ) * * requires that if a credit report is used against a consumer in a credit decision, the consumer must be informed and provided with the name of the reporting agency.

The continued presence of inaccurate information on my report constitutes a direct violation of these provisions. I demand immediate action to rectify these discrepancies and uphold my rights as a consumer.

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 2025-07-11 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-11 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: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Re : Dispute of Incorrect Balance Owed Voluntary Surrender Account # XXXX To Whom It May Concern, I am writing to formally dispute the balance reported on the above-referenced account related to a voluntary surrender of my vehicle. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I am requesting an immediate investigation into the accuracy of the balance owed as reported. 
The vehicle associated with this account was voluntarily surrendered on XXXX XXXX. It is my understanding that after the sale of the vehicle at auction, the remaining deficiency balance should reflect the difference between the amount owed at the time of surrender and the fair market value or sale amount of the vehicle, minus any permitted fees. 
However, the balance currently reported appears to be inaccurate and inflated, and no detailed accounting has been provided to justify this amount. I am exercising my rights under 15 U.S.C. 1692g ( b ) to request : A full breakdown of how the remaining balance was calculated ; A copy of the final sale/auction statement ; Documentation proving that the current balance is valid, accurate, and legally owed.

If you are reporting this balance to any credit reporting agency, please be advised that under 15 U.S.C. 1681s-2 ( b ), you are obligated to report accurate information and to correct or delete any information that is found to be inaccurate or unverifiable.

Until the requested validation is provided, I request that all collection activity be suspended and the item be marked as in dispute on any credit reporting systems.

Please respond to this dispute within 30 days as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
In XXXX, I had several installment loans with Affirm, XXXX total, many over {$150.00} and some up to {$1000.00}. I responsibly paid off nearly all of them. Due to losing my job during the unstable post-XXXX  job market, I defaulted on XXXX loans that was eventually XXXX XXXX. However, I paid off the full XXXX  amount, which Affirm has verified in official letters ( Loan XXXX XXXX and XXXX ). Both state the loans are XXXX XXXX XXXX 

Despite this, Affirm has continued to flag me as high-risk with no clear appeals process or re-evaluation system. I am now unable to access XXXX services from vendors like XXXX and XXXX, both of whom use Affirm as their sole payment provider for installment plans. This has locked me out of basic financing flexibility, even though I have a proven repayment history with Affirm and only XXXX loan ever hit XXXX  status ( which is now fully resolved ). 

Affirm and their lending partners ( e.g., XXXX Bank, XXXX XXXX Bank, XXXX Bank, etc. ) are engaging in an opaque approval process that ignores positive past behavior and provides no recourse once a person has been flagged, even after repaying the debt. Their rejection notices cite external outstanding debt without clarity or consideration of repayment efforts, undermining the supposed purpose of XXXXXXXX XXXX XXXX XXXX : to offer credit alternatives to those with limited access. 

Its especially concerning that Affirm and its partners advertise inclusivity for individuals with lower credit access, but instead operate with stricter constraints than traditional credit lenders. If I could afford to pay for everything in full, I wouldnt need XXXX in the first place. Now, I can not even upgrade a damaged phone, order essential items, or access time-sensitive purchases unless I pay entirely upfront, while the supposed purpose of Affirm is to help with such situations. 

This has had real consequences. For example : I was unable to upgrade my XXXX phone through XXXX XXXX because they now rely on Affirm. XXXX XXXX system is also Affirm-based, which prevents me from making needed purchases unless I pay in full upfront. Ive received repeated automated denials with no path to appeal or review, even though Ive demonstrated good faith repayment and improved financial stability. 

Affirm advertises itself as a flexible financing option, particularly helpful for those without strong credit. Yet, once you are flagged by their lending partners, there is no recourse, even if you repay. This effectively locks customers out of using a growing number of essential services and retail options, especially as Affirm becomes more widely adopted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
In XXXX of XXXX, I noticed that several of my federal student loans- serviced by Mohela- had increased dramatically in balance. Over a few months, the total increased by more than {$25000.00}, primarily due to unexplained accrued interest. I resumed repayment under the SAVE plan in XXXX after the COVID-era pause, and I have not made any recent payments that would explain such volatility. 

One specific loan ( XXXX XXXX XXXX XXXX ) accrued over {$10000.00} in interest on a principal of about {$21000.00}, which seemed excessive. I also discovered that a forbearance had been placed on that loan on XX/XX/XXXX - without my request or consent. 

I submitted a formal written complaint through the Federal Student Aid portal in XXXX of XXXX, but I have received no direct response. Ive also attempted to contact Mohela by phone without success. My online account has no option to send secure messages, leaving me with no way to follow up. 

Recently, my overall loan balance dropped by approximately {$3000.00} with no payments on my end. This suggests a possible correction or adjustment, but Ive received no documentation or explanation. 

I am concerned about administrative errors or SAVE plan misapplication and am requesting your help to get a clear written response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
At XXXX I got a chase text saying {$200.00} was tried to be used at an XXXX XXXX XXXX  store. I responded that wasnt me and they cancelled my card. 
At XXXX I received a call from an XXXX. Said his name was XXXX from Chase and there was a detective on the line listening. I was told somone tried to wire {$9900.00} from my account. I was told they went into a chase branch and showed 2 forms of ID that were copied from mine. Thats where I panicked and thought my identity was being stolen. XXXX said the FBI was looking into it as one of the forms was my passport. He then instructed me to go the chase bank and withdraw my funds to keep it safe while he set me up with a new chase card in my XXXX XXXX. I went to the bank panicked and took out {$3200.00} and deposited it back into my XXXX XXXX which was his apparently and not mine. After that went through, he said because of fraud chase will be sending me a new card in the mail. He had to walk me through deleting the XXXX XXXX cards in case of fraud. It was after this I knew something wasnt right. When I tried to call back, no answer and no voicemail set up. I checked my chase account, and I had nothing left. I was scammed very well by this guy and when I called Chase Bank to report it, they said because I withdrew the money, theres nothing they can do. I never thought that such a well thought out scam would happen to me as the guy on the phone never asked for any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: PA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00}

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 non-monetary relief
Consumer complaint received 2025-07-11 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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