vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX I was given a quote through XXXX XXXX I have a screenshot of the quote. XXXX XXXX redirects me to One Main Financials Website where I proceed to apply for said loan. I am approved and shortly after given a hard inquiry on my credit report. The next day I call the local office to ask what I need to do to complete the application process and I am told quotes on several other loans with higher interest rates. I ask about my original quote that was for a {$7000.00} personal loan at 24 % interest rates for at 24 months term and they literally couldnt do a thing to help. Wouldnt pull anything up couldnt give me an answer why I had a hard inquiry and told me those rates are the best they can do. I call headquarters in XXXX and same thing although the lady on the phone tries to get lower rates to sell me another offer. I said no I want the offer that I was given. The one that brought my credit down and is probably the reason the interest rates on the new quotes they showed me were higher Something just felt very very off about the whole situation. I have two hard inquiries I would like taken off of my credit report from them. Theres no way thats legal for them to advertise and hard inquiry me like that and then say the product I technically was approved for doesnt exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I have a XXXX gift card from a XXXX from my family, the card had XXXX $ on it. I activated it the day after they bought it XXXX days ago. Today, I went to use the card, and the cashier had let me know there was XXXX cents left on the card. I went online to check purchase history, it had said someone had spent XXXX, XXXX $ purchases at target yesterday at XXXX pm. My card is now drained with no money on it. I called the customer service line and they were no help. I filled out a report on the XXXX website, it will take XXXX days for them to review it. I am upset, and I can do nothing to be refunded. I have proof I did not spend these purchases. They can do nothing. Do not purchase XXXX  giftcards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AL

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

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Received elements associated with fraud as reason for denial. No fraud exists. FNBO application process flags it when new XXXX XXXX XXXX application is done on 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I went to submit a Dispute about my XXXX XXXXXXXX XXXX XXXX having an incorrect balance on my credit report. I submitted this on TransUnions dispute process. Was quick and easy to fill out but as soon as I clicked done I received an email saying the investigation was done, then I received an email after saying that the investigation started???? The investigation was clearly done by some AI slop because it was done before it began and I open up the results. THEY DELETED MY CREDIT CARD! So now my credit report doesnt include my XXXX XXXXXXXX XXXX XXXX  . Which does not fix the problem at all, only worsens it. I would like the credit card back on my report but the usage to be fixed like I originally asked them to do. My beef wasnt even with TransUnion to begin with, I wish I just went to XXXX XXXX directly about this.

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 2025-07-12 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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 666b A creditor May not treat a payment on a credit card account under an consumer credit card plan as a late payment for a reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 666b A creditor May not treat a payment on a credit card account under an consumer credit card plan as a late payment for a reason

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Subject : Stolen XXXX XXXX via CoinbaseNeed Urgent Assistance Dear Agent, On XX/XX/year>, I attempted to transfer XXXXXXXX XXXX from my Coinbase account to my XXXX XXXX XXXX XXXX XXXX using my personal XXXX XXXX, as Ive done many times since XXXX. 
I copied my XXXX receiving address from the XXXX XXXX and pasted it into Coinbases Send XXXX section. My XXXX balance appeared, and I proceeded with the transfer using XXXX XXXX as the final step. 
However, the XXXX never reached my XXXXXXXX XXXX When I checked the Coinbase transaction history, I saw that the XXXX  was sent to an unknown address on the XXXX XXXX a network Ive never used. I immediately contacted Coinbase support and spoke with someone named XXXX, who asked for screenshots, which I provided. He initially claimed the XXXX XXXX was slow, but I explained I had no interaction with it. 
Despite using proper login credentials and XXXX, my XXXX was sent elsewhere. XXXX confirmed the funds went to an address marked as XXXX and that Coinbase could not even trace an IP address. Now, Im being told nothing can be done. 
This appears to be a security breach within Coinbase. I trusted the system and followed all procedures, yet my funds were stolen. As a tax-paying U.S. citizen , I request a thorough investigation and recovery of my XXXX 
Amount Lost : XXXXXXXX XXXX ( ~ {$1000.00} ) Destination Address : Not mine, on Base Network ( unknown ) Source : My verified Coinbase account XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( used consistently since XX/XX/XXXX ) Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
My XXXX  sent the bill for my annual assessment to the address from which i moved XXXX years ago in error due to a change of XXXX  management. They also sent delinquency notices, demand letters, and lean notices to my former address and put a lean on my current property without notifying me at my proper address. Once this was discovered due to a large drop in my credit score, I immediately paid the assessment, but not the late fees. After some discussion with the XXXX  board, they agreed to waive all the late fees and remove the lean. The management company is not responsive. I have submitted XXXX disputes to Experian, and both times they respond saying they will follow up with the management company, which has not responded over the space of many months. 

With proper communication of amounts due, I have always paid bills on time and paid what I owe. It is unreasonable that I have suffered such a decline in credit score due to the incompetence of this management company, and due to the bureaucratic automated responses I get from Experian when I file a dispute.

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 2025-07-12 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:
I have had stolen wallet in the past which has continued to lead to accounts being opened in my name. Fraud. 

The following accounts are not mine and should be removed from credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX let someone open a credit card in my name. I sent a letter from the bank stating the credit card was opened fraudulently via mail and through the dispute. Experian keeps saying the account is confirmed as mine. Someone used MY Information including my social security number. 
This is not my credit card. I want this off my report. This is not fair to me and affecting my credit that I work hard on to keep improving. 
What more proof does this company need?? The letter says it clear as day that it is not mine. This doesn't seem legally right. 

Attached is the letter from XXXX XXXX confirming the card is not mine and the dispute information from experian sent to me XX/XX/year>

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a checking account with Truist Bank and my XXXX was suspended for no reason and no one at the bank can give me an explanation as to why my XXXX account was suspended XXXX XXXX BANK NAME : TRUIST BANK Account XXXX XXXXXXXX XXXX account was suspended for no reason or explanation from Truist Bank

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 2025-07-12 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has never been late on payments. i've attached a copy of my report to this complaint on the following dates XX/XX/year>. I demand this payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am writing to dispute these hard inquiries off my account that were not authorized by me On my credit report. The account of the hard inquiries that is listed without an authorization from me or proof of verification, which makes it impossible for me to verify its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the hard inquiries associated with this account and remove these hard inquiries from my credit report, l am unable to have confidence in the accuracy of this alleged account.Please conduct a thorough investigation and remove the accant immediately. Please be adviced that If I receive any stall tuctics to buy yourself time, I will be forced to escalate this with the CFPB, XXXX, and my states AttorneyGenerals office. I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am disputing late payments reported by Experian, XXXX, and TransUnion on my XXXX XXXX XXXX auto loan account, originally opened on XX/XX/XXXX and closed in XX/XX/XXXX. These bureaus are reporting inconsistent late payments for the year XXXX, during a documented period of XXXX hardship in which I lost my job due to mandatory shutdowns. 

Under the CARES Act ( Section 4021 ), creditors were instructed not to report late payments if the consumer was current before the hardship. I had a history of on-time payments. Experian is reporting XXXX XXXX lates and XXXX XXXX late, while TransUnion and XXXX  report XXXX XXXX and XXXX XXXX lates. This inconsistency and the fact that it happened during an extraordinary hardship makes it unfair and inaccurate. 

I am requesting that all late payments reported during XXXX be corrected to Paid as agreed status. This has negatively affected my credit and is against federal consumer protection law. 

Ive attached a formal XXXX  dispute letter explaining this in more detail.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent the reinvestigation letter to the credit bureaus to reinvestigate the accounts according to 15 USC 1681e ( b ), because the accounts were not assuring maximun possible accuracy then i sent in my second letter showing how accounts were in Violation according to 15 USC 1681i ( 5 ) not modifying the details within the account, then violating this law 15 USC 1681s-2, and how they are in violations of XXXX XXXX standards as you can see the attched documents. This is a CFPB complaint based on all Violations of FCRA and XXXX XXXX to get all ITEMS REMOVED for violating FEDERAL LAWS Violation of 15 U.S.C. 1681e ( b ) Duty to Assure Maximum Possible Accuracy Violation of 15 U.S.C. 1681i ( 5 ) Reinvestigation Procedures : Violation of 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information : Violations of XXXX XXXX Reporting Standards :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent the reinvestigation letter to the credit bureaus to reinvestigate the accounts according to 15 USC 1681e ( b ), because the accounts were not assuring maximun possible accuracy then i sent in my second letter showing how accounts were in Violation according to 15 USC 1681i ( 5 ) not modifying the details within the account, then violating this law 15 USC 1681s-2, and how they are in violations of XXXX XXXX standards as you can see the attched documents. This is a CFPB complaint based on all Violations of FCRA and XXXX XXXX to get all ITEMS REMOVED for violating FEDERAL LAWS Violation of 15 U.S.C. 1681e ( b ) Duty to Assure Maximum Possible Accuracy Violation of 15 U.S.C. 1681i ( 5 ) Reinvestigation Procedures : Violation of 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information : Violations of XXXX XXXX Reporting Standards :

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 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I've submitted Cease and Desist Letter to Midland and the attorney that is representing Midland Midland ignore my request I've emailed them a cease and desist letter and they ignore it 2years ago and I've requested the letters to them but they never responded now that they already filed the paperwork to sued me I have proof on the paperwork that they didn't sue me properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have been waiting for my refund for about over 2 months now almost three. i need my money and they re taking very long to review im not sure if theyre doing it on purpose but i have called them and send proof and evidence. I have a family to feed and cant just be getting my money took by these companies and not even my own bank has my side. I did some reasearch and it said 10-20 days its been way past that. This is Chime banking btw dont bank with them especially if fraud and porch pirating is very common in your area and u actually want your money back instead of being stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
I contacted Affirm on XX/XX/year>. I noticed an address on my Experian credit report that I did not recognize. I contacted Experian and they said the address was connected to multiple affirm accounts. I contacted affirm and they replied to my email about the address and accounts I don't recognize. They claimed to investigate the claims, but the negative affirm accounts still remain on my credit report. I also asked for a copy of the delivery status for the accounts. Affirm refused to show me any proof about the accounts and how that address got on my credit report. 

Affirm acct # XXXX Affirm acct # XXXX Affirm acct # XXXX Affirm acct # XXXX Affirm acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive written a detailed letter and included screenshots that show everything the account status, payment history, and the monthly updates. Please make sure to open the attached letter and images. They explain exactly whats wrong with the reporting. 

This account is not being reported fairly or accurately. it needs to be deleted completely.

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