vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: MARINER FINANCE, LLC
State: AL

Complaint narrative:
On XX/XX/year>, I applied for a loan online with Mariner Finance. I was told over the phone that only {$7000.00} would be deposited into my XXXX account. The agent, XXXX XXXX, informed me that I would receive the terms by email to approve. On XX/XX/year>, {$7000.00} was deposited into my XXXX account, but I did not receive, review, or sign any loan documents before this deposit. On XX/XX/year>, I received an approval email that included additional optional products and terms that I never agreed to. Those terms listed an amount financed of {$9900.00}, a finance charge of {$9800.00}, and a total of payments of {$19000.00}.

Mariner Finance employees forged my electronic signature on documents authorizing add-on products ( life insurance policies and a rewards program ) that I never consented to. I canceled these products on XX/XX/year>, but Mariner Finance has not provided me with updated loan documents since the cancellation. Additionally, the XX/XX/year> loan documents reflect entirely different terms, including an amount financed of {$12000.00}, a finance charge of {$7400.00}, and a total of payments of {$19000.00}. These documents also list the insurance products with forged digital signatures. 

Despite this, all XXXX  credit bureaus are reporting an original/highest balance of {$10000.00}, which is inflated and does not reflect the actual funds I received. The inflated balance includes unauthorized products and fraudulent charges. 

This account is fundamentally fraudulent and unverifiable. It can not be corrected because the balance, the disbursement, and the signatures are all compromised. I am requesting full removal of the Mariner Finance tradeline from all credit bureaus under the Fair Credit Reporting Act ( FCRA 605B ). 

Documents I am providing : police report for identity theft ; loan agreement dated XX/XX/year> ; loan agreement dated XX/XX/year> with proof of cancellation of unauthorized life insurance products ; XXXX XXXX  statement showing only {$7000.00} deposit from Mariner Finance on XX/XX/year> ; credit bureau reports from XXXX XXXX XXXX XXXX  showing {$10000.00} original/highest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which the banks confirmed would be removed but remains on my report ; All were identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint. 



complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX * * Re : Dispute of Reported Account Request for Validation * * To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information being reported on my XXXX  credit file regarding the following account : * Santander Consumer USA * Account Number- XXXX Pursuant to the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i * *, I am requesting that XXXX  conduct a reasonable reinvestigation of this account. I have reason to believe that the information reported may be inaccurate, incomplete, or unverifiable. 
Specifically, I request that XXXXXXXX obtain from Santander Consumer USA the following documentation to validate this account : 1. A complete copy of the original contract or agreement bearing my signature.

2. A full account-level history including all charges, payments, interest, and fees.

3. Documentation establishing Santander Consumer USAs ownership or legal right to collect on this account. 
XXXX. Any records demonstrating that the account is being reported accurately, in compliance with the FCRA. 
If XXXX is unable to obtain proper validation from Santander Consumer USA, you are required under * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * to delete this account from my credit file and provide me with written confirmation of the results of your reinvestigation. 
Please also provide me with the name, address, and telephone number of each furnisher of information that you contacted regarding this dispute, as required by * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *.

I request that you complete this reinvestigation within the 30-day period allowed by law and provide me with written notice of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report XXXX XXXX XXXXXXXX XXXX Name : XXXX Account Number XXXX XXXX XXXX Amount : {$330.00} * Date of Account : XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to XXXX appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A late payment is being reported on my Equifax credit file for this account.This account does not appear on XXXX XXXX XXXX at all. This makes Equifaxs reporting incomplete and misleading, which is a violation of the Fair Credit Reporting Act ( FCRA ) requirement that furnished information be accurate, complete, and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. 

In accordance with the Fair Credit Reporting Act, the creditors mentioned have violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b ( 2 ) " A Creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''

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 2025-08-22 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: PA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. 

In accordance with the Fair Credit Reporting Act, the creditors mentioned have violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b ( 2 ) " A Creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/year> I contacted Colombia Debt Recovery LLC XXXX, to inform the credit XXXX show I have an outstanding amount.

I requested a verification statement.

They stated they did not have to send a verification letter.

The renter who was my son paid and has receipt for time of transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I intend to file a complaint with the FCC for deceptive sales practices by XXXX XXXX. I contacted my bank ( BMO ) to dispute the charges XX/XX/XXXX and XX/XX/XXXX. I advised BMO, XXXX offered me free mobile service for one year, and now XXXX is charging me for mobile service. 
BMO is refusing to send me a copy of the information XXXX provided them to have their charges validated ( {$32.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This information is important to me.

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 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXXRequested and demanded debt validation for loan for Specific purpose and special deposit dated XXXX Requested forensic, accounting, lawful consideration from inception, full disclosure regarding equitable interest ownership. Possible securitization without consent or disclosure and received no response or consideration. Entered a claim to security interest XXXX  notified bank of transfer of assets to living trust and receives no response. notice of default has been certified mailed to the CFO. Affidavit of truth certified mailed to CEO, Vice President and CFO on XXXX  second opportunity to cure default within 10 days.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third and final notice, lifting of the cease and desist,  CFO in default. Second letter claim to security interest. Third letter defamation through consumer reporting agencies without any consideration or cure of default. Affidavit of truth notarized that has not been rebutted. All rights reserved UCC1-308, without prejudice. UCC-3-301'

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone used my personal information to open these account. I recently tried to apply for credit and was denied so that prompted me to check my credit report this month. I discovered all these accounts and was in shock. I didn't open any of these account. I am reporting this to take the necessary steps to protect myself and to request the removal of all fraudulent accounts related to this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation
State: IL

Complaint narrative:
On XX/XX/year> I finally was able to get in touch with Albert Banking support and initiated a dispute for several unauthorized charges to my debit card account. The following was the merchants dates and amounts : XX/XX/year> XXXX XXXX XXXX  XXXX XXXX the amont of {$65.00}, XX/XX/year> XXXX XXXX XXXX XXXX in the amount of {$1100.00}, XX/XX/year> XXXX XXXX in the amount of {$110.00}, XX/XX/year> XXXX XXXX  in the amount of {$55.00}, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the amount of {$160.00}, XX/XX/year> XXXX XXXX  XXXX in the amount of {$550.00}, another charge from XXXX XXXX  XXXX on XX/XX/year> in the amount of {$470.00}. I was provided forms to fill out and send to them and also I sent in an Official Police Report that I filed. I was provided Claim # XXXX and told they would reach back out to me. On XX/XX/year> Albert reached out to me and told me they are denying my disputes because deposits occured immediatly before disputed transaction, and my spending patterns. When I asked for a reinvestigation because I called corporate numbers for the merchants on the dispute and was notified Albert did not reach out them for any information or video footage of who was using my card, albert denied to provide the reinvestigation. When I told the I was going to file reports with CFPB and XXXX  they messaged back and told me I can do whatever I want to do and they are going to cease contact with me. I have done everything I was supposed to do as an consumer to resolve these issues and get my funding back and albert refuses to resolve this matter or even properly handle this dispute.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
ive open an account about a month ago. ive been putting money in the account to maintain untill payday. Well i received a paper check from my employer ( XXXX ) monday at XXXXXXXX XXXX  i deposited my check into my ( XXXX ) account at XXXX on the XXXX i tried to check my acvount to see if the banks accepted and couldnt login to my account. i checked my emails and the only email i received was that the banks accepted my check. i called the banks and they said they closed my account down and that i would have to wait 30 to 60 days for the account to close and they dont have any locations for me to get my moneu

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 2025-08-22 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-22 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to follow up on my previous request regarding the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX. XXXX XXXX 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 XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-08-22 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter for validation of a debt to XXXX XXXX XXXX XXXX XXXX. A debt bought from XXXX XXXX, XXXX. I was sent a generic billing statement which doesn't provide validation of the debt. I asked for a Original contract bearing my signature the Forward Flow, chain of title and Legal Authorization and Compliance and and a complete itemization of accounting charges of the alleged debt. I received a mere response.

Company response to consumer: Closed with explanation